vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-18 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I rented a car from XXXXXXXX XXXX XXXX and they charged me ten times the amount I originally authorization. I called and extended the agreement until a monthly rental because I was hospitalized and under treatment. The representative said they took care of it, and It would be {$700.00} ( + ). I now have a charge {$3600.00}. Having a car slightly over a month doesn't equal this amount. I'm on unemployment and I am disabled. I can not afford to be up-charged and can't risk ruining my credit. I am disputing with Capitol One and need advocacy, or I will not be able to get my meds, eat or perform other essential tasks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
Comenity Bank/XXXX  - I never missed a payment. I paid every month in full and on time. I closed the account after it again was paid in full in XXXX. I am consistently receiving harassing calls that I can not talk to answer, stop them or anything. The calls JUST started in XXXX. I do not understand why. I have not had an active XXXX MasterCard in YEARS. No debt. This report is 100 % fraud/misreporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
On XX/XX/2020, I made three transfers of {$25.00} each from my XXXX debit card to my American Express Serve Card. All three transfers show as completed both from XXXX and from American Express. I have confirmation numbers, too. The {$75.00} was not added to my account and American Express refuses to adjust my balance. They said they had an error with their system, but it has been two days they've been holding my money without giving me access to it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, we booked flights to XXXX, XXXX through XXXX. I am XXXX years old and can be forgetful sometimes. I need help from my son or daughter from time to time. Unfortunately in XXXX of XXXX, I filed a claim to Citi bank thinking that the charge of {$2400.00} ( from XXXX ) was a fraud and I was returned that amount to my bank account. We realized afterward that my XXXX trip was the one that was canceled and we called right away to re-book this trip which we did on XX/XX/XXXX. I was charged again the same amount so it was okay. Now, in XXXX all operations at XXXX stopped and they canceled my flights and hotel meaning that services were never rendered. I called Citi bank in early XX/XX/XXXX to file a claim on this charge from XXXX but Citi bank said I couldnt file a dispute again for the same charge. Now, I was not trying to file a dispute for fraud but for services not rendered. XXXX only sent me an email saying that my flight and my hotel were canceled but they never returned the money. I kept explaining to the representative at Citi bank that services were not rendered and that the claim should be under the XXXX claim code. Citi bank said they couldnt and would not even give me a chance to explain or file a dispute for this. It is not right that if services were not rendered and never occurred to not receive any help or guidance from Citi bank.

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 2020-12-18 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: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon 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 2020-12-18 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: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon 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 2020-12-18 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made XX/XX/2020 payment before the end of the month. However, Suntrust Bank did not properly process my payment until 6 days later. Due to this delay, my payment was posted over 30 days late. I think it unfair since it is not my mistake and I had plenty of funds in my account to pay my mortgage.

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 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I sent a letter certified to XXXX, XXXX, and Transunion on XX/XX/2020 I would like to know why I have not received any response. From my understanding they have 30 days to respond it is now 60 days and according to FCRA if no response all unverifiable, inaccurate information must be removed. This is causing me XXXX  as I am already getting over XXXX and I can't handle any more XXXX. I asked that you follow the law as you expect me to do and address my concerns in my letter.

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 2020-12-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Filed a dispute for unauthorized inquiries made on XX/XX/2019 only got back a update of them. I am very disappointed in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: MS

Complaint narrative:
I disputed information on my Experian Credit Report. On XX/XX/2020 Experian refused to investigate my new evidence of the inaccurate reporting of my credit file. When I attempted to upload the supporting evidence again, the Experian online dispute center had several technical issues that could not be resolved. The inaccuracies in which Experian is reporting is having a significant impact on my credit profile. 

The following accounts have been re-aged, are reporting inaccurate balances, and have numerous inconsistencies with the other credit bureaus. If they are receiving their information from the same creditor, why is the information not the same? Experian is also reporting term limits and payment statuses on supposed charge-offs. 

Account name XXXX  XXXX Account number XXXX 

Account name XXXX XXXX/XXXX  Account number XXXX .... 

Account name XXXX XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX Account number 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 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I sent a letter certified to Equifax, XXXX, and XXXX  on XX/XX/2020 I would like to know why I have not received any response. From my understanding they have 30 days to respond it is now 60 days and according to FCRA if no response all unverifiable, inaccurate information must be removed. This is causing me stress as I am already getting over CVOID and I can't handle any more stress. I asked that you follow the law as you expect me to do and address my concerns in my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I sent a letter certified to XXXX, Experian, and XXXX  on XX/XX/2020 I would like to know why I have not received any response. From my understanding they have 30 days to respond it is now 60 days and according to FCRA if no response all unverifiable, inaccurate information must be removed. This is causing me XXXX  as I am already getting over XXXX  and I can't handle any more XXXX. I asked that you follow the law as you expect me to do and address my concerns in my letter.

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 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I have had this Usaa credit card for 21 years and I have paid religiously on time and have always been a loyal customer. 
During this time of economic hardship I have chosen not to utilize my credit due to uncertainty of financial future. I have recently required new charges on this account in which I have not used in over a year. Upon investigating these charges I have discovered that the are annual fees that I am now charged monthly. I have contacted Usaa on numerous times over the last three months, with absolutely no correspondence, and continued charges to my account that I have never incurred in the past with this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: NC

Complaint narrative:
Everyday my credit is use to purchase car loans and credit cards .currently I dont even have a job to get credit in my name ... so its definitely fraud thats happening to me .. I tried contacting Equifax and asking for a fraud alert and they suppose to contact me everytime my credit is recorded but they dont they basically said that is was factual data .. they are abusing my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Account number ending inXXXX XXXX XXXX XXXX I opened my account in XX/XX/2020. I was promised before opening my account that if I spent {$500.00} or more in purchases within the time given by Capital One I would receive my {$150.00} bonus. I met these requirements but Capital One has refused to give me my bonus. 

This is the email I received from Capital One. 

To earn this bonus, you needed to spend {$500.00} on purchases within the first 3 months of account opening. As of the date of this letter, you have not made at least {$500.00} in purchases, however, per your request, we have extended the time period for you to make purchases to qualify for the rewards bonus toXX/XX/2020 as a one-time courtesy. 

By XX/XX/2020 I had spent a total of {$530.00}. Therefore, Capital One owes me my {$150.00} for the new customer bonus cash and needs to be credited to my account ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonneville Billing and Collections
State: WA

Complaint narrative:
I noticed on a credit report they were trying to collect on a debt that has pasted the statues of limitations. When I called and informed them, they claimed they didnt know. I discovered today they filed again against my credit lowering my score 17 points, and increasing the debt by XXXX . 

I tried to call again and their phones are disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX.This utlity company and decided to end our business relationship due to breach of contract.they were charging me for services not rendered. So I payed my final bill and sent in my equipment. Never heard from then again until a collection agency contacted me saying I owed a debt from this utlity company on XX/XX/XXXX. I disputed with all 3 credit bureaus and had them removed from all 3 bureaus. On XX/XX/XXXX I seen my credit report show a collection from the same original utlity company but a different collection agency. I disputed again. XXXX removed it. But not XXXX or XXXX. On XX/XX/XXXX I contacted them and asked the collection agency remove from my credit report.They said they could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: Ygrene Energy Fund Inc.
State: CA

Complaint narrative:
Ygrene Financial is a Petitory Lender, it's associated Business Company named XXXX XXXX XXXX Authority- It's Representive FORGED my Name on a home improvement Solar Panels Financial Contract without my knowledge and I am the 2nd property owner..

After I read Ygrene 's Attorney letter, most of her statements were untrue. 

I offered a buy out of my half of this property deed for $ XXXX due to Ygrene 's Fraudulent behavior and Forging my name. 

If Ygrene does not negotiate this buy out, then I will have to pursue the Fraud and Forgery of my name. 

I am asking that if CFPB could advise me if Ygrene does not negotiate this buy out. Please see Attachments below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I sent letters XX/XX/2020 regarding incorrect and unknown things on my credit report. It's been well over 30days later and I have not received a response yet. I feel like I'm being completely taken advantage of and being ignored of my disputes at this point. Section 611 a states that a failure to investigate these items with 30 days is a reason to remove the items from my credit report immediately. It's been over 30 days so they should be deleted immediately or I will file for litigation due to the stress that you have caused me and my family. My information also could have gotten into the wrong hands due to the XXXX data breach. Please fix this 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 2020-12-18 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
In XXXX, I received a call from Barclays Bank that my PIN on my XXXX MasterCard had been changed, and had I changed it? I said no, I did not. The representative said no problem and that he would issue a new card. 

A few weeks later, I get a card statement saying I owe some {$4000.00} on my card for cash advances. 

I call and explain that I did NOT use this card to take out any money, that the PIN had been changed without my knowledge and that charges had been made without my knowledge, but that SHOULD have been noted by the card representative. 

They start a fraud investigation. A few weeks later, they send me a letter that it was me who withdrew the money and that I owed it. Repeat this three times. Finally, they send it to collections.

Collections calls, and I explain, and they send it back to Barclays. Months later ( XXXX ) collections calls again, says my fraud claim was denied. I ask them to take it back to the bank and they did. 

I get a letter today XX/XX/2020 saying they did a thorough investigation and it is not fraud and that I am responsible for the balance. 

I tried calling their number but no one ever picked up after an hour on hold. 

I did NOT withdraw those funds. I have not used that card since right after I opened it. It was my backup card.

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 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX and Experian have continuous ly put wrong error on credit reports even after sufficient evidence was provided to remove grom file. XXXX XXXX and XXXX XXXX XXXX submitted b as f document through courts which caused a lot of problems for me and my family. XXXX XXXX XXXX and XXXX finance agreed to remove from court documents and credit report. Ive also sent court documents to experian and XXXX but they have failed to remove

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 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion and XXXX have continuous ly put wrong error on credit reports even after sufficient evidence was provided to remove grom file. XXXX XXXX and XXXX XXXX  XXXX submitted b as f document through courts which caused a lot of problems for me and my family. XXXX XXXX XXXX and XXXX XXXX agreed to remove from court documents and credit report. Ive also sent court documents to XXXX and Transunion but they have failed to remove

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 2020-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: AL

Complaint narrative:
Consumer Adjustment Co has placed a collection on my credit report after purchasing this fraudulent account from XXXX. I have already explained to XXXX and the credit bureaus that this account is not mine and is a result of Identity theft. I am once again attaching my police report to this complaint as proof that this account does not belong to me. Please remove this from my credit report as soon as possible.

Company response to consumer: Closed with explanation