vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
Received a MyVanilla card that I did not purchase. Had a very difficult time getting info from company about why/ how this card was sent to me. Requested that they close the account and block my info from ever opening another MyVanilla account ever again. This is obviously a fraudulent scam, but I still don't know how or why this account was opened in the first place.

I was told that someone purchased this card at a store, but I was sent this card to my home. The customer service people I spoke with at MyVanilla were very sketchy and were short on details, but had no problems asking for my personal info!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I was recently traveling out of the country on XX/XX/XXXX, and I tried to use my Citi AAdvantage card in XXXX XXXX to pay for the taxi, and the driver kept getting a declined message point. I used another card. The next day I called Citi to find out what was going ; they told me that my credit limit was lowered from {$5000.00} to XXXX and that I could be transferred to another department to put a statement on my credit report because I had some late payments, etc. I have had this for almost five with an excellent payment record. Below is what they are showing on my account at the Citi site : Key Factor ( s ) Affecting Your XXXX Score : 1 Number of accounts with delinquency Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are important to XXXX Scores. Your score was impacted because your credit report shows one or more accounts with missed payments. 
I don't know what they are talking about, but if you can see on the account history I have attached, it's excellent. When people carry a balance, that is how they make money. I think they are doing this because the economy is terrible, and people live off their cards, not me. I have a job. And when they take action like this, it makes a situation worse.

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 2021-02-15 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On my reports there is a closed account with huge amount of missed payments. MACY'S/DSNB XX/XX/XXXX Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MACY'S/DSNB has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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 2021-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Portfolio Services, Inc.
State: NY

Complaint narrative:
after several harrassing phone calls, and an attempt to try to have this removed from XXXX report I was instructed to file a report on here I have never had this account I have no knnowledge as claimed before of this account or debt and its hurting my credit score terribly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
I called and canceled my XXXX service in XX/XX/XXXX because we moved and sold our home where services were registered. The rep wouldn't take no for an answer, but after more than an hour of arguing with them to cancel, not suspend my services, they finally agreed to cancel effective XX/XX/XXXX. Turns out, they ignored my request to cancel and ended up suspending the account for 6 months. I started getting bills again in XX/XX/XXXX and charges started accruing on the account again. Between XXXX and XX/XX/XXXX I called XXXX XXXX times and finally got them to close the account in XX/XX/XXXX, but not before {$560.00} had been accrued on the account. The rep told me that if I didn't pay that amount, the account would end up in Collections, but that only the XXXX Corporate Office could authorize cancelation of the amount due. The rep informed me that they submitted an " Escalation to Corporate '' and I would be contacted with two weeks. After not being contacted by Corporate, I called the rep back and they informed they submitted a second escalation. Again, I never heard from them. A few months later I start getting collection notices from Credence Resource Center. Since then I have disputed the charges with Credence twice, with XXXX twice, placed several more calls to XXXX, and submitted a complaint to XXXX 's compliance office ( never heard back from them either ). Every time I dispute the charges, all XXXX does is send the statements from between XXXX and XX/XX/XXXX to " certify '' the charges with absolutely no mention of the more than 20 times I have attempted to dispute the charges as fraudulent since they were placed on my account several months after I initially canceled the account because we no longer lived at or owned the residence where these services were located. As a result of this, my credit score has dropped by nearly 100 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
none of the paper work has my name, its 2 different incorrect spelling of my name, which is a major violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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:
There are 2 accounts listed on my credit report that do NOT belong to me and I have no knowledge of. This is a result of malpractice or an error and is negatively impacting my credit worthiness.

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 2021-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted over 50+ request to have my credit reports to show updated payment information on my reports. There are accounts that show as charged off even though the balance is XXXX and I was advised that AT LEAST it says charge off. Yes I paid t I paid I. The midst of them transferring the account so its a catch XXXX its paid but the person account sold too still shows as owed ( XXXX ) XXXX XXXX payments are made auto draft and a recent {$200.00} payment made but I am not allowed to dispute as they stated they reviewed the account in 2019. In the midst and of covid19 why should I have to fight with the credit bureaus to make sure at least my credit is correct? Were in a pandemic XXXX XXXX plus have died and my report shows late payments. I am unemployed and have tons each reporting agent and original reporter this and no one has offered any relief. I am certain the banks got PPE money yet I am required to pay off a credit card that I WAS MAKONG PAYMENTS FAITHFULLY ON BEFORE COVID IN FACT XXXX XXXX SHOWS THIS AS A CHARGE OFF BUT TRANSFERRED {$200.00} from a deposit for rent from my account. This is not right. Were In a plague and debtors dont care and we suffer. I tried with the credit agencies still no relief

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 2021-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Years ago, I did a consumer credit transaction with Bank Of America ( credit card ). Since this point, I have received several bills in regards to this account. Bank Of America is in violation of 15 usc 1605 ( a ) as I have been charged more than the finance charge. Today I am contacting the cfpb to get this matter resolved as quickly as possible.

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 2021-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
after several harrassing phone calls, and an attempt to try to have this removed from XXXX report I was instructed to file a report on here I have never had this account I have no knnowledge as claimed before of this account or debt and its hurting my credit score terribly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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:
XXXX XXXXXXXX Balance : {$100.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX XXXX Balance : {$260.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance : {$3100.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXXXXXX Balance : {$4300.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete immediately. 

XXXX XXXX Balance : {$7500.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5300.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXXXXXX XXXX Balance : {$2800.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this.

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 2021-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunions Union started reporting XXXX XXXX XXXX on my credit report after the company deleted it off 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 2021-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
Congress Collection XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX. I reviewed my credit report and it droped 33 points Congress Collection was on my report for {$51.00}, I never received any documents or bill in the mail. I contacted Congress Collection and got there agent XXXX XXXX he stated I owed {$130.00}, things are not right he said I owed for year XXXX, and XXXX. My credit is good I pay my bills! I called XXXX which is my insurance provider they stated your responsibility is {$5.00} from XXXX? I called XXXX XXXX thats where the bill originated from spoke wit XXXX he stated I only owe {$5.00} XXXX. Congress Collection pulled my credit score down and is trying desperately to scam me out {$130.00}. XXXX XXXX that works there is a bottom feeder! Please help me its XXXX where has this bill been? I asked that they send me a bill XXXX want send me any paper work on this matter, my credit is suffering over {$5.00} credit report say {$51.00} and XXXX says {$130.00} the actual debtor XXXX XXXX says {$5.00} please help me to stop this company from scamming people out of there hard earned money and destroying my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Everytime I call this company they never resolve any issue they just transfer you till the call drops. It's really unprofessional that the agents you get cant speak english and have a bad attitude. Im also receiving other peoples credit reports in my mail. What is your process on verifying info? Im over this company making so many mistakes and never resolving them!!!

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 2021-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
On XX/XX/2021, I opened a coin base wallet, submitted my ID and had an email saying that my ID has been verified and I am ready to invest. 
On XX/XX/XXXX XXXX, I put around {$400.00} worth of bitcoin, every one was fine, could access my wallet. 
On XX/XX/XXXX XXXX, I had an email saying that my account was restricted as I was under XXXX, which is false as my ID clearly shows I am XXXX. I was also told to verify my ID. Which I did the same day but they " could not verify my ID '' ( a driving licence ). 
I contacted support on XX/XX/2021 XXXX # XXXX XXXX. I only had an automated reply. 
Meanwhile, I have tried to resubmit my driving licence again. I them again on XX/XX/XXXX, XXXX Again automated reply. 
I contacted them again on XX/XX/2021 ( # XXXX ), I had an automated reply as an answer. This was a formal complaint which should have been sorted in 15days according to the automated email. 
I resubmitted my ID on XX/XX/2021, I had an automated reply " Unable to verify your identity '' I tried again the same day : same thing. 
I tried again no XX/XX/2021, " unable to verify your identity ''. I tried 3 times the same day. Nothing. I tried 3 ties that day. " unable to verify your ID '' I tried again on XX/XX/2021, I had a confirmation that the verification is still in progress " your ID requires additionnal verification. We will email you once verification has been completed. '' My question, why has my ID been accepted and allowed to send funds, once sent, I was told that it is unverified and my account has been locked. I saw on XXXX  that a lot of people have had the same issue. I am begging you to do something about it please.I contacted XXXX who asked me to contact you ( ref # XXXX ) kind regards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: FL

Complaint narrative:
On XX/XX/2020, I purchased a defective item from an individual. The individual charged my Capital One credit card under the name of a fictitious company that does not exist. The fictitious company name is XXXXXXXX XXXX XXXX. I attempted to dispute the charge with Capital One and Capital One said I would need to get a refund from the merchant. However the merchant does not exist and therefore I have no recourse or ability to get a refund. Because the merchant does not exist, this should be classified as a fraudulent charge and refunded to my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: SC

Complaint narrative:
Was sent in the mail ( XX/XX/2020 ) from HRRG saying I owed debt to XXXXXXXX XXXX XXXX XXXX  XXXX for the amount of {$1000.00} from an ER visit on XX/XX/2020 ( which did happen ). I first called HRRG and they offered me a discount in 2 payments to pay my debt because of COVID and the pandemic. This set off alarms. So I then called my hospital directly to pay what they said I owed. I paid my bill in XX/XX/2020 for {$530.00} in full ( after insurance ) and they said they had no other amount I owed to the ER but gave me the number of XXXXXXXX XXXX XXXX XXXX XXXXXXXX to see if I owed them as the ER and physicians sometimes bill separately. I called XXXXXXXX XXXX XXXX XXXX XXXXXXXX and they had no record of me in the system at all. When I spoke with the account specialist, he said he's been getting multiple calls like this about HRRG. After looking me up with last name, date of service, birthdate, etc. - there is no record of my debt and the practice of the ER and physicians billing separately ended 3 years ago. HRRG is using the pandemic as a front to collect money!

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 2021-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am making a second attempt to resolve this matter with American Express in regards to my consumer credit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation