vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Kikoff Inc.
State: MA

Complaint narrative:
hi Kikoff Lending llc ( # XXXX ) ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX AND XX/XX/2021 FOR 30 DAYS+? 

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 check 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN I reset my password, when I sign on, it wants to send a text or call an old phone number. At the bottom of the page it states that I can answer security questions instead. When I click on that, it shows some fields, and then it states that there is in error on the page, it provides phone number XXXX, the automated system cant help me, and there is no way to reach a person it eventually locks me out, Ive called this number twice. Ive also called XXXX, and XXXX per online search, same experience.

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 2021-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
It's two cards XXXX and XXXX I've had numerous problems with Capitol One, changes in payments ( {$25.00} to {$65.00} and back to {$25.00} ) This problem is not receiving a statement for this XXXX. 
I have checked the app, every day, since the XXXX of XXXX. 
I have only used the app. I have not received statements by email or mail, ever. 
I have made payments, within one day of the statement and they refused to work with me. I've had to borrow money to make payments, already made. 
I called the company and I was told, " My statement would not generate due to inactivity ''. 
I told them it was my right to receive my statement, regardless of any purchases. 
I told them, It's unethical and fraudulent to hold my statement hostage, until I make a purchase. 
It's my right, as a consumer to receive my statements in a timely manner, every month. 
I informed them, I was not a performing circus monkey. 
This company needs oversight. 
FYI : their new excuse ; my inbox is full. 

I'm unable to attach any screenshots. 
They'll mail out a statement and my payment will be late. I'll have late fees, {$25.00} per card. {$50.00} on a fixed income. 
Why am I dealing with this obvious theft and supposed " accidental '' oversight? 
How many other people are they doing this with and they don't know, It's illegal??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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 — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc.
State: GA

Complaint narrative:
I do not understand why google is refunding 10 transactions in the amount of {$890.00} USD, and the representment from google to XXXX credit card bank for the Dispute Reversal Request from Pages 6 through 15 shows 84 Unauthenticated purchases and therefore Unauthorized be

cause google on their own allowed those transactions without the password challenge that was supposed to be entered for every transaction. According to the google representment, 29 of the 84 unauthenticated transactions showed disputed ( 25 transactions of {$99.00}, and 4 transactions of {$49.00} ). My credit card dispute following my observation of unauthorize transactions were 24 transactions in the total amount of {$2100.00}. So, I do not understand why I am getting a partial refund of {$890.00}, instead of the full amount of {$2100.00}. I did not see the representment from google before my dispute, it would have even been more than the {$2100.00} that I originally disputed. Please review your records and kindly refund me the balance. 

Please see below the tabulated dispute submitted to XXXX credit card bank. 


DATE AMOUNT QTY. TOTAL AMT. 
XX/XX/XXXX {$49.00} 1 {$49.00} XX/XX/XXXX {$99.00} 7 {$690.00} XX/XX/XXXX {$99.00} 1 {$99.00} XX/XX/XXXX {$99.00} 3 {$290.00} XX/XX/XXXX {$99.00} 1 {$99.00} XX/XX/XXXX {$99.00} 6 {$590.00} XX/XX/XXXX {$49.00} 3 {$140.00} XX/XX/XXXX {$99.00} 1 {$99.00} XX/XX/XXXX {$49.00} 1 {$49.00} TOTAL TRANSACTION 24 {$2100.00}. 


Also refer to my email dated Friday, XX/XX/XXXX, XXXX XXXX  EST, Monday, XX/XX/XXXX, XXXX XXXX  EST, and Monday, XX/XX/XXXX, XXXX XXXX  EST to google team.

Please I do not agree with the partial refund of 10 transactions in the amount of {$890.00} USD.

Google still owes me a refund balance of 14 transaction in the amount of {$1200.00} Thank you. 


Yours Truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
On XX/XX/2021 I contacted XXXX  to file a dispute against fraudulent information reporting on my consumer report they still never took down. The original creditor is XXXX XXXX emergency XXXX which they sold the debt to Phoenix financial services and Phoenix financial services are asking me to pay them {$430.00} this account was opened on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
In XXXX I requested a balance transfer from XXXX XXXX XXXX to payoff my XXXX XXXX XXXX XXXX The check for {$8400.00} was sent to Barclays Card Services, XXXX XXXX XXXX XXXX  PA XXXX. The check was deposited in a Barclays account in a Barclays Acct # XXXX at XXXX XXXX XXXX  on XX/XX/XXXX.. 
Barclays, unfortunately no longer processes XXXX XXXX XXXX credit cards.So the payment is sitting somewhere in limbo. 

Barclays could : - return to the funds to XXXX. 
- forward the payment to XXXX now handling XX/XX/XXXX credit card processing - send a check to me I have spent endless hours on the phone on hold with Barclays trying to get some resolution to absolutely no avail. Am I always forwarded to a manager or acct rep where the line rings forever,

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 2021-07-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I received my unemployment benefit wire transfer to my prepaid debit card given by Bank of America. 

An ATM withdrawal was approved on XX/XX/XXXX for {$1000.00} from a Bank of America ATM. 
On XX/XX/XXXX, a withdrawal was approved for {$500.00} qt a XXXX XXXX ATM. Both taken place in XXXX, CA. 

The card is still in my possession to this day, XX/XX/XXXX. I filed a claim regarding the {$1500.00} debit from my account that I did not withdraw myself. 

Bank of America requested I do my own investigation and file a report with the XXXX XXXX Branch where the withdrawal happened. 

Yesterday XX/XX/XXXX, I received a letter that was dated XX/XX/XXXX that the matter was resolved and that they found both withdrawals valid. 

I firmly believe that Bank of America did not conduct a proper investigation. If they had actually looked into the ATM withdrawals and cameras of the ATM you would see that I was not making the withdrawal out of my account. 
Once again, I still have my original debit card that is now closed. Meaning there was a fraudulent card accepted by the ATM who had my pin number and was able to make the withdrawal. 

Due to this, I am seeing financial hardship as Bank of America has not refunded my account and yet the investigation as stated in the letter is closed.

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 2021-07-27 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:
On XX/XX/2021, I sent my very first letter to the credit bureaus concerning this account ( XXXX XXXX ). XXXX XXXX  is reporting inaccurate information on my report. The past due amount, date of last active, and the date of last payment are all incorrect. I have made an attempt to send a letter every month since and I have not received a response. No verification, validation, or investigation has taken place. This is a violation. I have been patient and given plenty of time to return a response. As of today, XX/XX/2021, I have received nothing.

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 2021-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Dear CFPB, PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, HAS BEEN HARASSING ME ON THE PHONE AND REPORTING FRUAD ACCOUNT INFORMATION INTO MY CREDIT HISTORY. THEY HAVE BEEN CALLING AND ASKING FOR CASH PAYMENTS AND MY SSN # TRYING TO STEAL MY PERSONAL INFORMATION FOR A DEBIT COLLECTION ACCOUNT THAT IS NOT MINE AND WAS DISCHARGEXXXX FROM MY CREDIT HISTORY FOR IDENTIFY THEIFT BY XXXX XXXX & XXXX XXXX AFTER I WROTE A LETTER & PROVIDED INFORMATION AND EMAILED FOR THE PAST 4 YEARS. XXXX XXXX HAD AGREED TO REMOVE ANY RESPONSIBLY OF MINE & DID REMOVE FROM MY CREDIT HISTORY FOR THIS IDENTIFY THEIFT ACCOUNT THAT WAS NOT OPENED BY ME AND REMOVED IT FROM MY CREDIT HISTORY FOR GOOD. PORTFOLIO RECOVERY HAS BROKE SECTION 609 OF THE FAIR CREDIT REPORTING ACT ( FCRA ) BY ADDING FALSE INFORMATION TO REPORT TO HURT MY CREDIT HISTORY WITH FALSE INFORMATION FOR ACCOUNT THAT WAS DISCHARGED AND REMOVED FROM MY CREDIT HISORY BY ALL PARTIES. PORTFOLIO RECOVERY NEEDS TO REMOVE THIS FRAUD ACCOUNT FROM MY CREDIT HISTORY & I DEMAND THEY CLOSE THE ACCOUNT. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request THE REMOVAL OF PORTFOLIO RECOVERY FROM MY CUSTOMER CREDIT REPORT ASAP. FOR IDENTITY THEIFT & ALL ACCOUNTS IN THE FUTURE WITH PORTFOLIO RECOVERY. THEY DID NOT PROVIDE ME WITH THE ORIGINAL SIGNED CONTRACT TO VERIFY THIS ACCOUNT & DID NOT VERFY THAT I OWN THIS DEBIT NO SIGNED ORIGINAL CONTRACT WAS SENT TO ME BY PORTFOLIO RECOVERY, IT SHOWS THAT THIS IS NOT MY ACCOUNT & NEEDS TO BE DELETED FROM MY CREDIT HISTORY. IT HAS PASSED 7 YEARS AND THIS NEEDS TO BE REMOVED FROM MY CREDIT HISTORY ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my 2nd time contacting you all regarding my disputes to Experian, XXXX  and XXXX. I can understand that it may be a slight delay but to not just respond to disputes at all is totally unacceptable ... Can someone please review my disputes. 


XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX-xxxxx-Unverified Account XXXXXXXX XXXX XXXX XXXXXXXX Unverified Account XXXX  -- -xxxxxx-Unverified Account XXXX XXXXXXXX XXXX-xxxxx-Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX-xxxxx-Unverified account XXXX XXXX Date of Birth XX/XX/1974 SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2021-07-27 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: PA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX/XXXX  XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX  XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and 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. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2021-07-27 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: GA

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$230.00} XXXX Date Opened : XX/XX/XXXX Amount : {$700.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have obtained a copy of my credit report and discovered it contained an inaccurate report of a Bankruptcy filing. I have contacted the three credit reporting agencies ( XXXX XXXX, XXXX, and Experian ) by mail ( certified copy is attached ) and was informed that this information is verified, or has been provided by a third party information collector. 

I also contacted the Bankruptcy Court of record and was informed by the court clerks office that there was NO known attempt to verify or confirm the erroneous information or correct the error. The clerks office strongly suggested that I contact your offices with this problem. While this issue may not approach the threshold of Bankruptcy fraud by an individual or business, the practice undermines the entire system of these firms are allowed to publish old, outdated information and inaccurate data beyond the scope of the FCRA. Especially, in matters as dire as Bankruptcy. I am reporting this matter in hopes you will investigate these practices for I have been led to believe this is not at all uncommon and highly dubious. ( Please see attached )

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 2021-07-27 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:
On XX/XX/2021, I sent my first letter to the credit bureaus in regards to an account that is inaccurately reporting on my credit report ( XXXX XXXX ). XXXX XXXX is reporting my date of last active and date of last payment inaccurate. I have sent a letter asking them to verify, validate, and investigate this account. I have yet to receive a response after several attempts. I have been patients but they have had more than enough time to properly investigate my requests. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: GA

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$230.00} XXXX  Date Opened : XX/XX/XXXX Amount : {$700.00} XXXX  XXXX  Date Opened : XX/XX/XXXX Amount : {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: PA

Complaint narrative:
I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX Also please remove the following fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: DC

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX/XXXX  Date of Inquiry XX/XX/XXXX XXXX/XXXX  Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my 2nd time contacting you all regarding my disputes to XXXX, XXXX  and Transunion. I can understand that it may be a slight delay but to not just respond to disputes at all is totally unacceptable ... Can someone please review my disputes. 


XXXX XXXX XXXX-XXXX- Unverified Account XXXX XXXX XXXX-XXXX- Unverified Account XXXX XXXX-xxxxx-Unverified Account XXXX XXXX XXXX XXXX-XXXX- Unverified Account XXXX/XXXX  -- -xxxxxx-Unverified Account XXXX XXXX XXXX-xxxxx-Unverified Account XXXX XXXX-XXXX- Unverified Account XXXX XXXX XXXX-xxxxx-Unverified account XXXX XXXX Date of Birth XX/XX/1974 SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2021-07-27 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: TX

Complaint narrative:
This is my 2nd time contacting you all regarding my disputes to XXXX, Equifax and XXXX. I can understand that it may be a slight delay but to not just respond to disputes at all is totally unacceptable ... Can someone please review my disputes. 


XXXX XXXX XXXX-XXXX- Unverified Account XXXX XXXX XXXX-XXXX- Unverified Account XXXX XXXX-xxxxx-Unverified Account XXXX XXXX XXXX XXXX-XXXX- Unverified Account XXXX/XXXX  -- -xxxxxx-Unverified Account XXXX XXXX XXXX-xxxxx-Unverified Account XXXX XXXX-XXXX- Unverified Account XXXX XXXX XXXX-xxxxx-Unverified account XXXX XXXX Date of Birth XX/XX/XXXX SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
My mortgage service provider-Carrington Mortgage Services- sent incorrect information about the standard of the loan and reported to the XXXX XXXXXXXX XXXX ( XXXX ) to further damage my credit with the credit Reporting agencies. 
They assumed that since FEMA declared the zone in a Natural Disaster Area, I did not pay my mortgage installments, something which is not true. 
I paid my mortgage on time and despite of this, they reported to credit agencies like XXXX, XXXX XXXX and XXXX. 
When I tried to buy a car, the operation didnt get through because their false report.

Company response to consumer: Closed with explanation