vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I filed 2 disputes with USAA Federal Savings Bank on my Checking Account : -The first dispute was with XXXX XXXX for {$230.00} that was billed as an annual membership fee for their movie program -The second dispute was with XXXX for {$170.00} that was billed as an annual membership fee for their dining plan Both of these companies have furloughed up to 90 % of their staff, closed all physical locations, and are unavailable via telephone, their website, or email due to the COVID-19. I tried to contact both of these companies through all of the previously listed methods but was unsuccessful. 

I received a response from USAA that they were declining my dispute and told me that I needed to contact the merchants, which I am unable to do because the companies are closed. When I contacted USAA Federal Savings Bank about the declined dispute, they stated that they had an internal policy that " superseded the regulations '' and would not be processing my dispute. They directed me to contact the merchant, which I explained was impossible because they were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Express Aviation
State: VA

Complaint narrative:
I attended XXXX XXXX 11 years ago. When attending I was young and unaware of the paperwork I was signing. I had no copies of my paperwork or student file! After further investigation this year of paperwork finally provided by the school, this month. The school is saying I never did an exit interview. I never received it! On the alleged exit interview paperwork it says I received a : 1. Federal Direct Subsidized loan for XXXX 2. Federal Direct Unsubsidized loan for XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX loan for XXXX Loan # 3 is what Im challenging. This loan was fronted by the school and paid for by the school. I was responsible for paying the school back once I dropped out of the program because they paid the loan for me. 

The school is now saying I owe them {$14000.00}. There is fraudulent activity going on. I was never told of XXXX  when enrolling. I was told by XXXX that I was enrolling into a HELP loan program that was provided by the school. I never signed nor agreed to a loan with XXXX. XXXX was just just found guilty of defrauding XXXX XXXX XXXX in 2018 for the same exact situation. I believe these charges are fraudulent and I want the school to be held accountable. They have harassed me for years for this money. I want all the money I paid to this fraudulent loan returned. I tried uphold and clear a debt a I thought I owed. However, this isnt my debt! It wasnt made clear to me. They took advantage of my situation and they took money from me for profit.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased several items and used my Walmart Credit card. Most of the items arrived but 2 did not arrive as one of the items was cancelled by Walmart without my permission and was never issued a credited to my account for those items. Those items totaled {$9.00}. The other item that was reported by Walmart as delivered never arrived. That order was {$88.00} plus taxes. I need them to credit my account for that total of {$98.00}. No one has returned a response from either Walmart or Capital One which why I am filing this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I mailed in supporting documentation to Experian. Experian keeps reporting they verified a bankruptcy which was dismissed. 

I sent them three sets of documentation indicating this was and is being incorrectly reported. I am fed up with this incorrect information being on my report. 

They are also reporting incorrect information about XXXX XXXX   XXXX  account, which was closed and not reported. 

I sent them copies of court order indicating the support case was incorrect and they keep saying they reached out to XXXX which is not the original creditor.

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 2020-04-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: McCarthy, Burgess & Wolff, Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ARC Management Group, LLC
State: FL

Complaint narrative:
This medical collections company started calling my cell attempting to collect on debts from someone else. They confirmed on 2 separate occasions that it was not my debt ( it was for a XXXX  bill from an imaging office in XXXX XXXX, FL ). The company also released the name of the debtor to me on one of my conversationswith them. I told them twice to remove my number : on XX/XX/XXXX and XX/XX/XXXX ; but they continue to call me. Last call received on XX/XX/XXXX. 

Caller ID shows either " Bill collector XXXX hospital '' or " XXXX XXXX XXXX ''. 

It was also curious that they started calling on the first days the COVID19 stimulus deposits started coming to people. I've never before gotten collections calls on this number since I got it four years ago ... so, it looks some of these collections companies are culling through old lists attempting to coerce or bully people into paying now that they have these stimulus funds.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc.
State: AL

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391.  Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

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 2020-04-29 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: CA

Complaint narrative:
I have been making on time payments on my car since I purchased it in XXXX. In XXXX of XXXX I told that I needed to make arrangements because I may not be able to make a full payment and what can we do about it. They offered me a 3 month installment where that one payment would get divided evenly in addition to my regular payments. I agreed as that would help. Well know one informed me that it would look like Im late on my payments. Those three months are showing up as 30 days late. After the fact, I asked them what was going on when I was making my payments on time as usual. They said well since I never made a full payment and technically it wasnt getting paid off until the third month that thats how they would report it. I informed them that no one told me anything like that. Had I known I wouldnt made a way to just pay it. Now my good record has turned into a negative status because of how they are reporting it. They didnt give me the facts about that. They rushed me on the phone for a quick fix and screwed me over in the end. I spoke to a supervisor and they said oh yes thats how we report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been making on time payments on my car since I purchased it in XXXX. In XXXX of XXXX I told that I needed to make arrangements because I may not be able to make a full payment and what can we do about it. They offered me a 3 month installment where that one payment would get divided evenly in addition to my regular payments. I agreed as that would help. Well know one informed me that it would look like Im late on my payments. Those three months are showing up as 30 days late. After the fact, I asked them what was going on when I was making my payments on time as usual. They said well since I never made a full payment and technically it wasnt getting paid off until the third month that thats how they would report it. I informed them that no one told me anything like that. Had I known I wouldnt made a way to just pay it. Now my good record has turned into a negative status because of how they are reporting it. They didnt give me the facts about that. They rushed me on the phone for a quick fix and screwed me over in the end. I spoke to a supervisor and they said oh yes thats how we report it.

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 2020-04-29 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax is STILL reporting two inaccurate charged off XXXX XXXX XXXX credit card accounts on my credit reports after numerous disputes. Both XXXX  and XXXX  have removed these accounts on the basis that the debt is NOT MINE, however they claim they have " verified '' the debt and account with the creditor. How are you going to verify the debt if it's not mine? The current charge off amounts are {$5600.00} and {$5900.00} all the way back from 2014. They have not furnished any proof whatsoever that the debt is in fact mine and continue to hold down my scores and from obtaining future credit. I will most definitely be taking legal action if they do not immediately remove these accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Inquiry from XXXX should have been removed from my Experian credit file this month as it is stated to when viewing my 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 2020-04-29 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax is STILL reporting two inaccurate charged off XXXX  XXXX XXXX credit card accounts on my credit reports after numerous disputes. Both XXXX  and XXXX  have removed these accounts on the basis that the debt is NOT MINE, however they claim they have " verified '' the debt and account with the creditor. How are you going to verify the debt if it's not mine? The current charge off amounts are {$5600.00} and {$5900.00} all the way back from 2014. They have not furnished any proof whatsoever that the debt is in fact mine and continue to hold down my scores and from obtaining future credit. I will most definitely be taking legal action if they do not immediately remove these accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Tried to link my PNC account to my XXXX XXXX to transfer money to a new savings account and it won't work because of PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Inquiry from Rentgrow should have been removed from my XXXX credit file this month as it is stated to when viewing my 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 non-monetary relief
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I contacted support to close my checking/savings account ( early XX/XX/XXXX ) and was told it will closed/no further action was needed. The same day I transfer my remaining funds out of the account into a new account at a different bank. 

Several months later ( XX/XX/XXXX ) I receive a letter saying I owe a balance of {$76.00} and I contact support to be informed that it was due to being charged a monthly service fee the month following when I thought/was told the account was closed ( the {$0.00} balance was less than the amount required to avoid fees ), and additionally there were 2 months of overdraft fees charged. 

When explaining the circumstances to customer support they refuse to waive the amount they say I owe, and the letter I received states this amount may be referred to collections and reported to consumer reporting agencies.

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 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is wrong, inaccurate, fraudulent information being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: Resurgent Capital Services L.P.
State: HI

Complaint narrative:
I find myself disputing this company every month. They are in properly reporting. On XXXX XXXX the derogatory remark was removed yet it is still present on XXXX. I explained to the company that I did not live at the address as well as my social security number was compromised on several occasions. Many purchases made I was not even present in that state. They also have an account from XXXX and I was only XXXX at the time that they are demanding payment. XX/XX/XXXX- XX/XX/XXXX I lived in XXXX   and once I left XXXX  I moved to XXXX  . I have been living in XXXX  since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There is wrong, inaccurate, fraudulent information being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is wrong, inaccurate, fraudulent information being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation