vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
Contacted fraudulent party to purchase goods / service. 

Used XXXX to send money to fraudulent party 's account. 

Did not receive goods / service and was not refunded money by party. 

Contacted banking service with complaint and was told they could not refund / resolve issue. 

Filed report with local police.

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 2019-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
DEAR CAPITAL ONE BANK USA, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

ACCOUNT # XXXX AMOUNT OWED : {$690.00} DATE OPENED : XX/XX/XXXX DATE CLOSED : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
On XX/XX/XXXX I was shopping at Samsclub.com and saw the credit card offer to get the chair I was shopping for {$150.00} instead of {$210.00} because of a {$55.00} credit for opening the account. I took the bait and want to pay the card off immediately but the statement is for the whole amount of {$210.00} instead of the credited discount price. I called XX/XX/XXXX and was told it would be credited to my account. Today, XX/XX/XXXX the credit is still not applied, so I chatted with an agent who told me the credit will not be applied for 90 days! That is NOT what the offer stated. The offer stated that my price would be {$150.00} I have the conversation with the agent.

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 2019-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In XXXX I pulled my credit report and came across missed payments from XX/XX/XXXX XX/XX/XXXX from Capital One. After going through my records i realized why I had the hardship earlier this year due to an car accident at the end of XXXX, which i had XXXX and had to be off work for an extended period of time. Before my accident i hadn't missed a payment and once i was able to get back from my XXXX I haven't missed a payment since XX/XX/XXXX. I sent a forgiveness letter along with documents supporting my situation. I received a response 10 days later stating that capital one wasn't able to remove or honor my forgiveness letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My XXXX XXXX Account Was Paid Off But They Have Left The Wrong Information On My Credit Report For 11 Years The Account Should Be Removed It Is Too OldAnd A Medical Account That I Believed To Be Payed Off Has Also Been Left On My 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 2019-12-22 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: GA

Complaint narrative:
I enrolled to the university of XXXX of arizona online program and I change my classes and canelled the next day I never got the loan or went to the school but they have reported it on my credit report they stated reporting it in XX/XX/2019 and the amount is about 4,000 thousand dollars I have been reaching out about this issue and it has not been resolved yet. I really need this to be resolved because it's inaccurated and cause other issues on my 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 2019-12-22 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My XXXX XXXX Account Was Paid Off But They Have Left The Wrong Information On My Credit Report For 11 Years The Account Should Be Removed It Is Too OldAnd A Medical Account That I Believed To Be Payed Off Has Also Been Left On My 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 2019-12-22 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My Wells Fargo Account Was Paid Off But They Have Left The Wrong Information On My Credit Report For 11 Years The Account Should Be Removed It Is Too OldAnd A Medical Account That I Believed To Be Payed Off Has Also Been Left On My 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 2019-12-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: QC HOLDINGS INC
State: MO

Complaint narrative:
I borrowed {$300.00} from QC Financial and they charged me 500 per cent interest making the total loan {$690.00} over a 6 month period at {$110.00} per month. I want investigation into QC Financial charging such Usuary Rates of Interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$370.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$370.00} -This is not my 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 2019-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This company has made a number of errors on my credit report that need your attention immediately.

THEY HAVE RE-AGED BOTH OF MY XXXX  ACCOUNTS! THIS IS A VIOLATION OF MY REPORTING RIGHTS!

XXXX  Account Number:XXXX You are reporting this account as CHARGED OFF/COLLECTION but there is balance reported. It cant be both.YOU ALSO REPORT THE DATE OF LAST ACTIVITY IS XX/XX/XXXX BUT THE ACTUAL DATE IS IN XX/XX/XXXX. NOT POSSIBLE.

XXXX  Account Number:XXXXYou are reporting this account as Derogatory but there are 0 late payments and XXXX past due amount. YOU ALSO REPORT THE DATE OF LAST ACTIVITY IS XX/XX/XXXX BUT THE ACTUAL DATE IS IN XX/XX/XXXX. NOT POSSIBLE.

They said they verified this information but that is not true because this information is inaccurate.

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 2019-12-22 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$370.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015with a credit limit of {$370.00} -This is not my 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 2019-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX, I opened a checking account at Peoples United Bank, XXXX MA branch under a {$200.00} marketing promotion. The requirement to receive the {$200.00} bonus was : Direct Deposit of {$1000.00} or more at least monthly for 90 days. My banker at the account opening said that 3 consecutive months of direct deposit of {$1000.00} would qualify. I met the requirement, with direct deposit of over {$1000.00} in XXXX, XXXX, XXXX and XXXX. Not receiving the bonus, I made an electronic inquiry to the bank on XX/XX/XXXX. XXXX from the bank replied that she would get back to me on XX/XX/XXXX. Which she did not follow through. I sent her a reminder message. On XXXX, XXXX came back stating that I did not qualify quoting a strange reason by the end of XXXX. I asked her to double check because her quoted reason was not in the requirement ( and in fact, nobody can meet that if it were in the requirement ). On XX/XX/XXXX, she replied back that I need to talk to the bank. At this point, the bonus is way over due and I do not see a sincerity the bank is going to honor the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
There is a web sale site XXXX XXXX XXXX which sells tools and other items and mode of payment was paypal. Since the payment is though paypal, I assumed pay pal do some fact check to for the company when they register with paypal. After paid money through paypal for the item, I did not get the item ordered. I reported the issue to Paypal and paypal says they can not do anything to this since they are only do payment transfer and take commission and don't care about service or product ordered. 
So I want paypal do some fact check so that people not get cheated. Pay pal only interest is increase commission they are getting and the trust of the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
I've disputed this alleged debt this year and last year and it was proven that this alleged debt isn't mine. For some reason this debt keep coming on my report in a portfolio of debt that has been bought. I'm tired of proving my innocence that this debt doesn't belong to me, I'm tired of being taken advantage of. I've seeked counsel to help me with this matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I'm willing to call off my attorney if alleged debt is deleted from my report from all reporting bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
I contacted Portfolio Recovery Associates on XX/XX/2019, and advised them that I was issuing a Cease & Desist order to them. I spoke with an individual who identified herself as " The operations manager '' and refused to place a cease & desist restriction on the account.

Portfolio Recovery Associates records all their internal phone calls, so this violation of the FDCPA is well memorialized. My attorney will be requesting a copy of the call in discovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 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:
I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2019-12-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCE CORPORATION
State: FL

Complaint narrative:
On XX/XX/2019 I applied for a personal loan and was approved for XXXX pending verification. I provided all necessary verification and met all the requirement of the company. However when the lady processing the loan she processed it as an auto purchase loan and only upriver for that amount. I did not ask for the loan to purchase the vehicle I asked for a personal loan and used a vehicle to secure it. Florida having electronic titles means all I have to do is file the lien application for them and it has my tag number on that so it made it proof of registration as they requested they would have made me pay to file the lien anyways before they gave me the loan so I just saved my self one step. However I XXXX the ladies of because I told them they were XXXX and didnt process the loan correctly and I filed a complaint with the Vice President and the executive committee. So in the end they had no legal ground to deny the loan and they violated the law by not giving me the loan application they didnt approve. The reason I think they denied the loan is because Im incompetent and my wife has to sign for me which is discrimination against a XXXX veteran. And I say this because I was actually approved for XXXX 4 times thru there company each time they were blowing me off Id apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 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: CA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2019-12-22 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:
I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I sent the modification packet to bank of america for the loan XXXX. I bought the home in XX/XX/2009 (  attached HUD1 ) and got title insurance ( enclosed ). The sellers ( MLS printout enclosed ) moved to florida where they were engaged in buying foreclosures and remodeling and selling for profit as their new employment. ( Mls ) and florida has been their primary residence for the last 10 years. I have lived at XXXX XXXX XXXX XXXX, XXXX, NM XXXX and do not own any other property. I wish to keep the house I have been using/occupying for the last 10 years.

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 2019-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Over 56 hours ago I discovered that BBVA had put a block on my account while trying to process a transaction at a grocery store. I have spent many hours on the phone with their hold music and customer service reps who refuse to pass me off to management, refuse to offer solutions and put me back on hold for extended periods of time. I have been told that policies that currently will not be extended to me because they have the knowledge that I am fighting to recover my funds and close the account. I am fighting for every loophole to get my money back. The block was added to my account with no direction from me. Today I was told by CS that I was the one who put it on hold " maybe for security reasons '' he said to me. I did not in fact put my account on any kind of hold for any kind of reason. They have successfully removed the hold on my account but now refuse to let me withdrawal my monies and close the account. I have missed payments, accrued fees, among other things. This has cost my greatly financially and emotionally.

Company response to consumer: Closed with explanation