vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-23 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: Avant Credit Corporation
State: NY

Complaint narrative:
I received my new Avant charge card in late XXXX early XXXX. I activated card and the following month to my surprise I was billed for XXXX XXXX XXXX {$220.00} for a charge made on XX/XX/XXXX. I contacted Avant and a fraud investigation was opened. The charge was removed but was recently added back to my account stating that no fraudulent activity was found. I requested this investigation be reopened and charges be be removed but when I call I seem to get the transfer tree with no resolution. Can you please assist me I can not afford to be a victim of fraud during this COVID ; any assistance will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this report because today XX/XX/2020 I applied to XXXX XXXX XXXX but unfortunately I was not approved because apparently there are several accounts in negative standing appearing on my credit history. I looked through my credit report and I saw many accounts from different companies that are not mine as well as addresses that I have never lived at. I don't know who these accounts belong to but I did not allow anyone to open these or any account on my behalf. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I XXXX  not affiliated to any of the companies listed on this report ; I do not have any contract or agreement with them nor did I ever give them permission to run/access my credit file. I have filed a complaint with the Consumer Financial Protection Bureau as well as filed a police 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 2020-11-23 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: CA

Complaint narrative:
I am filing this report because today XX/XX/2020 I applied to XXXX XXXX XXXX but unfortunately I was not approved because apparently there are several accounts in negative standing appearing on my credit history. I looked through my credit report and I saw many accounts from different companies that are not mine as well as addresses that I have never lived at. I don't know who these accounts belong to but I did not allow anyone to open these or any account on my behalf. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I XXXX not affiliated to any of the companies listed on this report ; I do not have any contract or agreement with them nor did I ever give them permission to run/access my credit file. I have filed a complaint with the Consumer Financial Protection Bureau as well as filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I am an account holder on a Capital One checking account with my mother and my father, both who are now deceased. My mother passed away recently, on XX/XX/XXXX. 

CapitalOne is not allowing me any access to the funds, they will not advise me when I will have access, and will not inform me when I will have access. 

This is unacceptable. I am a full account owner, and should have access to this account. 

I was on the phone for an hour and 28 minutes today trying to figure out why I could not see the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: DISCOVER BANK
State: IL

Complaint narrative:
Hi I filed a dispute with Discover Credit card company on XX/XX/2020. However it went into 3 rounds of dispute and now the dispute is closed. 
It was about the item not delivered to me. I live at the following address : XXXX XXXX. 
XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX However the item was not listed under my name it's listed for someone called XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX. 
Since the handbag was worth {$5800.00} it had direct signature required delivery where someone in the Apartment, XXXX needs to sign for it. However it never came to my floor XXXX instead it went to the 4th floor and was signed by someone called XXXX XXXX. I don't have the item. I really need help because this is an expensive item and I now have to pay for something which I don't own. I am going to attach all the proofs what I have. I have reached out to the merchant their name is " XXXX '' as well but they are not responding either. I have reached out to XXXX however XXXX is unable to provide any respond to me as they directly work with the merchant. 
My bank is stating that they can not refund me because the merchant has denied the claim. Merchant has proof that item was delivered from XXXX. I am not denying that the item was not delivered I am saying that item is delivered to the wrong person, my name is " XXXX XXXX '' and that's what is listed on my card. However the item is addressed to someone called " XXXX XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
This is my second complaint about Goldman Sachs for the same reason. With a clean credit report and a credit score of XXXX I should not get denied an Apple Credit Card. They did NOT address the issues. I've called them several times to speak to someone and they give me people who do not have access to my report. XXXX called me back onXXXX and left me a message. I could not get back in touch with her because she only left the main number. I've called on XX/XX/20 & today XX/XX/20 at XXXX XXXX and they are not able to help. My information is obviously getting crossed with someone else 's. I called the credit company XXXX  and there is nothing wrong with my report I went over it with XXXX line by line and it is clean. But, Goldman Sachs says I have three different issues. All outlined in my previous email complaint, all are not correct and not in my credit report. They are canned responses that they sent, not relevant to my credit report. Please take a look into my CORRECT report as you will see it is clean. This is obviously a big mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX Cash app.com sent {$800.00} from my account to XXXX XXXX XXXX. I was told by Cash App that I had authorized this transfer to take place, but I knew nothing about it and do not have an account at XXXX XXXX. Cash app has no telephone to reach them at so all communication has been by email. Each time i received a response from them there was a different person investigating this matter, So far there have been nine employees who were supposed to be investigating this matter but none have succeeded in accomplishing anything. I called XXXX XXXX to find out whose account the money was sent to but because of privacy matters they could not give me the name. I requested Cash app to show me documentation giving them authority to send my money to XXXX XXXX, but they refused to do that. Of course they could not because I never authorized it and do not have an account there. Can you please help me. That was all the money I have. 

Cash App is www.email XXXX  The case number at Cash App is : XXXX. 
my Visa number XXXX XXXX XXXX XXXX cvv XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: FL

Complaint narrative:
There is a collection listed on my credit report from Carter-Young Inc for an amount of {$10000.00} which is completely wrong. I have tried to resolve this but the apartment complex has changed hands and now no one can talk to me about this false collection. I received something from the initial apartment showing {$3500.00} no where near the {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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:
The amount on the card was XXXX and I only spent XXXX but the amount balance after the transaction was XXXX. I then proceeded to call the company to file a complaint and I was on hold for a long time. There was no answer so I decided to file a complaint to consumer finance and I was given a specialist from Bank of America but he only called once and I called back after maybe 5 minutes and he did not answer. Ever since Ive been leaving voicemails because when I call it goes straight to voicemail and he has not called me back. Its been almost two months and no response.

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 2020-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D&A Services, LLC
State: LA

Complaint narrative:
On XX/XX/2020 I wrote an affidavit to the company D & A Services , LLC regarding a credit collection in the amount of {$630.00}. In the affidavit I listed the violations that the company had committed in the amount of {$2000.00} also I included a invoice for the company to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Partial Account number : XXXX My wife and I have been loyal customers of Chase for nearly 20 years for our deposit accounts, mortgage and credit cards. We have run several XXXX dollars through our accounts over the years. Prior to the current issues on my Chase credit card, I have never had a negative mark on my credit reports and my scores were well over 800. 

My wife and I are wanting to refinance our home in both of our names, however, when we had our lender pull credit, we were shocked to see a huge decrease in my scores due to recent 30 - 60 day late marks reporting from Chase. This account was to be closed and paid off at the same time the branch closed my business deposit accounts. 

After months of going back and forth it seems the branch closed by deposit accounts correctly and they even closed by credit card, but they failed to transfer the money to pay off the card balance during the transactions as authorized in person by me during the closure process. Since I lost my online banking access with the closure of my accounts, I wasnt made aware of the balance not being paid off and that bank fees were added to my account, in error. Eventually the bank removed the fees and I paid the account off but that was after I was already reported past due to the credit bureaus thus dropping my credit scores 60XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
I was missed lead about the whole loan situation with the carBefore the the purchase of the car I told the owner that I did not like that car and he proceeded to tell me just drive the car for a couple of days and we can trade it back in The owner was so XXXX on me getting this particular car he forge the other Cosigner her name on the paperwork I told him numerous of times I did not like the car so when I finally got in the car and drove it under the pretense that I wasnt going to be keeping this car for long the transmission was slipping He told me to wait till they get the settlement from credit acceptance and then I can get another car Me not knowing what kind of damage it would be doing to me more than helping So I took the car back to them he told me To state a wreck that one of his family members was going to drive the car and he was going to put the insurance on it and to stage the Wrecked so he could put me in the car that I wanted So he proceeded to stage the situation and he Got one of his family members to wrecked The car So he never told me anything else after that he put me in another car two days later And after two years from that I found out that he went to prison for fraud just like this and hes still in there

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 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$0.00}, {$0.00}, {$0.00}, {$4000.00}, {$29000.00}, {$4000.00}, {$13000.00}, {$40000.00}, {$30000.00}, {$54000.00}, {$160.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNTS 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$40000.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 11. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: 1st Franklin Financial Corporation
State: GA

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

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 2020-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I write regarding the closure of my capital one credit card on XX/XX/2020. On XX/XX/2020, I learned that my card was restricted due to fraudulent activities and someone from Capital One would be in-touch to inquire. On XX/XX/2020, I contacted Capital One and was transferred over 6 times to different people and received no help. Finally, I learned that my account was closed due to two payments that were returned. I have my monies transferred to XXXX XXXX, which I then transfer to XXXX XXXX ( I am in-process of home shopping and I use XXXX XXXX for saving purposes ). Due to COVIS-19, branches are very limited and staff members have been impacted, which has affected the way I transfer my money. 

When I learned both times that my monies were returned, I immediately contacted Capital One and verbally/clearly explained the issue. I even asked the representatives to process another transfer so the payments could be extracted. I also wanted to note that pre-COVID-19, my payments were on time, in-full, every month. 

Today, XX/XX/2020, I contacted Capital One, once again to speak to someone who could help, but was once again transferred over 4 times. Since all calls are recorded, someone in Leadership of Capital One can verify. I am asking that my account please be re-opened. I am preparing to purchase my home and my credit score has dropped 45 points and I worked too hard to let this happen. I opened this secured credit card to build my credit, which I have been doing -- I have an exceptional payment record with Capital One. I would like a reversal because I am being negatively impacted, I have done my due diligence to resolve this matter but have received no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
On XX/XX/2020 I submitted a letter to XXXX to verify a negative tradeline that has been reported on my credit report by Ally Auto. I was requesting verification of the deficiency notice which was never provided. Under the laws of the State of Illinois UCC 810ILCS5/ and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

XXXX XXXX response was Completed investigation of FCRA dispute - consumer disagrees. 

On XX/XX/XXXX I also requested verification pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } ... 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : I was not provided with this information in 30 days which is required by the FCRA and nothing was sent with my signature saying I authorized this debt.

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 2020-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Trust Management LLC
State: OH

Complaint narrative:
XXXX I called a number that has been calling me and hanging up. When I spoke to a representative he brought up an account I owed. I asked if he could submit something in writing because I dont recall. He stated by law they only have to send one statement out. I told him I didnt receive it and if he could resend it. He told me no and how we can resolve it. He said if I dont recall he can help me recall over the phone. He did provide me with the collection agencies name Global Trust Management and my account number XXXX. He was not trying to provide me with what I asked over the phone. Very rude tone.

Company response to consumer: Closed with explanation