vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
2016 I been having problem opening bank account didn't understand..well I found out XXXX  XXXX my indenti was stolen..everything went bad..there a bank of America I susposley use.I never did I got check system letter that's how I found out..I guess there is fraud please help 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 2020-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NC

Complaint narrative:
Received a call around XX/XX/XXXX/XX/XX/2019 stating Diversified Adjustment Service, Inc was a 3rd party debt collection company attempting to collect {$5000.00} on behalf of XXXX. I advised them that I have never had an account with XXXX. They wanted to me to confirm confidential information, which I refused to do and we hung up. I called XXXX directly to see if XXXX had record of money owed in my name and was told they had no record. I dismissed this as a " scam call '' and thought no more about it. However, upon apply for a debt consolidation loan, was informed that this amount was showing in my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Hello good morning my name is XXXX XXXX, I have a bit of a story with this and I hope you are willing to listen. 

In XX/XX/XXXX I was approved for a capital one Quicksilver one. I was highly appreciative of it since I have had credit issues in the past and I was happy to be given a chance. 

I used this card a fair bit but during my credit rebuild it appears I somehow disputed this card with the credit bureaus and on XX/XX/XXXX I received a phone call from you that the card is currently under dispute and will be locked. I was given the following contact information ; Please call XXXX XXXX XXXX XXXX extension XXXX. I will also attach the voice mail to this email for you to listen to. 

After I called her back I was told the account was disputed and is currently locked. Of course since I was going through a rebuild I was highly concerned about my credit since I knew there was an amount due on it I asked to pay this since I didn't want any issues with my credit. I was told since it was in dispute 1 ) I could not make a payment but not to worry since it was frozen and could not report late 2 ) If I wanted to reinstate it you could fax me a form and after you verify with the credit bureaus you would consider reopening the account. 

I faxed this paper to you on around XX/XX/XXXX give or take a few days. Again your representative told me I could not make a payment but not to be concerned. 

After reviewing my report it turns out the following has happened 1 ) XX/XX/XXXX you gave me a 30 day late payment I would like the following actions 1 ) Remove the late payment since it was impossible for me to pay and I was clearly told by the above agent I would have no late payments and not to worry I have tried to contact your staff including the person who helped me before, I have also tried to dispute this with the credit bureaus and neither has been successful. The fraud agent just take around 30 minutes and then tell me to write a letter. The Credit bureaus just verify both as correct data. 

Please help me. 

In the meantime you gave me a new credit card account in XX/XX/XXXX, which I currently still do use. 

Currently I have the following with you 1 ) Capital one Quicksilver one 2 ) Capital one Venture one 3 )  Checking account 4 ) Savings account My phone number is XXXX XXXX XXXX or XXXX XXXX XXXX. 

My full name is XXXX XXXX and the last four digits of the card involved is XXXX. 

I look forward to a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12 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: TX

Complaint narrative:
I have reached out to Transunion in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Transunion claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Transunion seeking proof of this debt : Transunion XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX They continuously violate FCRA by not properly validating this alleged debt and refuse to remedy this 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 2020-02-12 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: OK

Complaint narrative:
This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX- XXXX {$440.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX/XXXX XXXX  XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX  XXXX {$450.00} XXXX  XXXX  XXXX {$1500.00} XXXX  XXXX  XXXX {$1700.00} XXXX  XXXX   XXXX {$440.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX  XXXX {$1200.00} XXXX  XXXX {$1000.00} XXXX XXXX {$650.00} XXXX XXXX   XXXX {$660.00} CREDIT COLL  XXXX {$140.00} XXXX  XXXX  XXXX {$610.00} XXXX   XXXX XXXX {$120.00} XXXX  XXXX   XXXX {$66.00} XXXX  XXXX   XXXX {$300.00} XXXX XXXX {$450.00} XXXX  XXXX XXXX {$690.00} XXXX XXXX {$1000.00} XXXX   XXXX {$16000.00} XXXX  XXXX {$1500.00} XXXX XXXX XXXX {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: OK

Complaint narrative:
This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX  XXXX- XXXX {$440.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX/XXXX  XXXX  XXXX P XXXX {$920.00} XXXX XXXX XXXX {$3300.00} XXXX  XXXX XXXX {$450.00} XXXX XXXX  XXXX {$1500.00} XXXX XXXX  XXXX {$1700.00} XXXX  XXXX   XXXX {$440.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX  XXXX {$1200.00} XXXX  XXXX {$1000.00} XXXX XXXX {$650.00} XXXX  XXXX   XXXX {$660.00} CREDIT COLL XXXX {$140.00} XXXX  XXXX  XXXX {$610.00} XXXX   XXXX  XXXX {$120.00} XXXX  XXXX   XXXX {$66.00} XXXX XXXX   XXXX {$300.00} XXXX XXXX {$450.00} XXXX  XXXX XXXX {$690.00} XXXX XXXX {$1000.00} XXXX   XXXX {$16000.00} XXXX  XXXX {$1500.00} XXXX XXXX XXXX {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
This is the second time my identity has been compromised. I do not understand the reason behind it. Please remove these items that are not mine from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: CO

Complaint narrative:
The amortization forms used by CarMax are calculating higher payments than they should. 

The loan amount is {$22000.00}, interest rate of 3.70 % and a loan term of 66 months. 

Every online tool or calculator ( I'm using MS Excel Loan Amortization tool ) shows a payment of {$370.00} with a finance charge of {$2400.00}. 

The paperwork I received from XXXX shows a payment of {$380.00} and a finance charge of {$2400.00}. 

I called to alert them of the issue and they said their calculations are correct because they charge XXXX finance charge per day. But that's not how loan payments work. I even showed the rep how to calculate it using online tools.She tried to reach out to several people within the company but was told the calculation is correct. 

I mentioned that their systems are probably rounding incorrectly somewhere along the line, but they told me it is what is it and there's nothing they can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Hello, I am really so frustrated how Equifax is trying to destroy my credit. Here 's what they responded on XX/XX/XXXX and they never removed from my credit and their respond was they're stated we removed and you're any longer see that Collection wasn't mine. Please Here 's the actual email they responded to me and i would sincerely request to step in and involve these people are breaking the laws. 





Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. We initiated an investigation into the items and the results are below : The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX Account Number : XXXX. The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX. The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX Account Number : XXXX The results of the investigation have been mailed to you. If you have any additional questions or concerns regarding the results of the investigation and/or your Equifax Credit Report, please visit us at www.myEquifax.com. Here you may sign in or create a free account where you can manage your security freeze, fraud alert, and disputes and access free Equifax credit reports and the Core Credit product. You may also contact us at XXXX to speak to a Customer Service Representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO

Complaint narrative:
I received a call at XXXX MST on XX/XX/XXXX MST from a debt collector, who informed me of a debt and had demanded a credit card being put on file immediately. This had been the first time I have EVER received any communications about this debt whether it be through writing, email, or phone calls. They immediately got hostile and aggressive and threatened me with further action, despite the face that I had told them that a ) I have received zero prior notification that I even had a debt within the past 6 months and b ) was not going to give my phone credit card information out to a random person on the phone without any debt verification whatsoever. I dont even know what the debt is for! They also falsely stated that I had given an address as a forwarding address that was in fact a previous address from when I lived in XXXX 5 years ago on XXXX XXXX. I had not lived in XXXX for over 3 years ( they could have easily gotten my former address information on public record ) and had left the building my forwarding address when I moved out in XXXX, so they knew how to contact me correctly. This makes me suspect that they are fraudulently sending notices to incorrect addresses just so they can collect interest. The fact that they were unwilling to allow me to even get home to get to my credit card so I can put it on file makes me suspect it is fraudulent.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One has violated my right to an investigation under the Fair Credit Billing Act related to fraudulent transactions that occurred on my debit card. To wit, Capital One has not responded to my notice nor advised me of any investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hi my name is XXXX XXXX XXXX XXXX XXXX i have 3 problems in my credit report. 

1.By XX/XX/XXXX of XXXX i found on my report few credit cards attemps like someone was trying to get a new credit cards ( hardinquiry ). But i didnt made this transaction lr request. The company is CAPITAL  ONE. I call but no one was able to really help me. I want this dissapear of my credit because i have more than 8 months that i dont ask for a new CREDIT CARD. 

2. I found a XXXX  XXXX XXXX  collection ( XXXX $ ) for a gym that i stop to use more than a year ago. I ask them to take off this collection but they didnt, so i talk with them and pay the due and they said they will be erase the collection like i never have it. But i see the collection ammount in 0 but still there and pay just to finish this quick so i dont get my credit bad. 

3. XXXX  XXXX XXXX XXXX XXXX $ ) ( PAYMENT OF XX/XX/XXXX ) missed payment. I agree with them months ago to pay few days later without affect my credit snd they agree and said its ok. Later i saw my credit with 1 MISSED PAYMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12 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: Jim Bottin Enterprises, Inc
State: FL

Complaint narrative:
Hi my name is XXXX XXXX XXXX XXXX XXXX i  have 3 problems in my credit report. 

1.By XX/XX/XXXX of XXXX i found on my report few credit cards attemps like someone was trying to get a new credit cards ( hardinquiry ). But i didnt made this transaction lr request. The company is XXXX XXXX. I call but no one was able to really help me. I want this dissapear of my credit because i have more than 8 months that i dont ask for a new CREDIT CARD. 

2. I found a XXXX  XXXX  XXXX  collection ( 240 $ ) for a gym that i stop to use more than a year ago. I ask them to take off this collection but they didnt, so i talk with them and pay the due and they said they will be erase the collection like i never have it. But i see the collection ammount in 0 but still there and pay just to finish this quick so i dont get my credit bad. 

3. XXXX  XXXX XXXX XXXX XXXX $ ) ( PAYMENT OF XX/XX/XXXX ) missed payment. I agree with them months ago to pay few days later without affect my credit snd they agree and said its ok. Later i saw my credit with 1 MISSED PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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 demands all fraud reported be turned into disputes that then place temporary credits listed as adjustment purchases. The internal temporary credits do not apply until they are made permanet. See statement XX/XX/XXXX. The temporary credits list as other credits {$2.00}, XXXX THAT DISAPPEAR. They are not made permanet and fall off. All temp credits become PERMANET NEW PURCHASES WITH NO WARNING OR EXPLANINATIONS. AND merchant credits are stolen leaving consumers with fraud. See statement attatched. XXXX XXXX XXXX XXXX credited {$200.00} {$280.00} On XX/XX/XXXX USAA places temp credit AFTER MERCHANT PAID. so USAA can fraud consumers they got 2 credits for one purchase. XXXX credits are now credit reversals XX/XX/XXXX leaving me with the fraud. USAA tells consumers look you got One credit from merchant and One credit from USAA. Temporary credits must be made permanet to apply when only One real credit from merchant is all that applied. Now for rest story. USAA demands all frauds to be disputes first.Disputes place a temp credit to CREATE MORE PROFITS BY COLLECTING 2 purchases USAA STEALS MERCHANT CREDITS CLAIMING THEY ARE USAA CREDITS. USAA policy demanding disputes not fraud reports is not the rules FTC states on line. FTC says if not delivered timely or not delivered at all it is fraud. 
USAA says if you have done business with merchant before IT IS NOT FRAUD EVEN IF NEVER WAS DELIVERED. FTC talks about the investigation which USAA does not do. I am not provided any merchant info if merchant decides refund not deserved. No wonder NONE OF MY FRAUD HAS BEEN CREDITED BY USAA. AND LOOK THEY EVEN TAKE MERCHANTS CREDITS AFTER THEY PAY. XXXX  XX/XX/XXXX credited. became a new charge XX/XX/XXXX stealing XXXX credit and leaving me with fraud. USAA CREATES THE CREDIT REVERSALS FOR ADDED INCOME ALWAYS. ALL. MUST BE DISPUTES. USAA IS NOT ZERO LIABILITY. They do not investigate fraud so they do not have to pay for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ONEMAIN FINANCE CORPORATION
State: CA

Complaint narrative:
I took out a debt consolidation loan with XXXX XXXX XXXX in XXXX XXXX, CA. They took my pink slip to my car as collateral. The payment is due on the XXXX but is not considered late until the XXXX. However, the company starts calling incessantly between the fist and the eleventh. I mail my check to their headquarters back east. They would prefer I call and make a payment over the phone. I feel they are harassing me. I have asked them not to call me anymore, but they persist. I had to block them from my cell phone, but they persist in calling from an unknown number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This is the second time my identity has been compromised. I do not understand the reason behind it. Please remove these items that are not mine from my credit report. Thank you.

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 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This is the second time my identity has been compromised. I do not understand the reason behind it. Please remove these items that are not mine from my credit report. Thank you.

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