vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-16 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 requesting to remove all negative accounts which I listed in Identity Theft because all accounts are not belong to me. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed 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 2020-04-16 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: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. This was done on XX/XX/2020.

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 2020-04-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2020 a transaction for {$11000.00} to XXXX XXXX XXXX was debited to my Bank of America Business Credit Card. The transaction was made in XXXX and I live in Nevada and have not been in XXXX for many years. I immediately called the fraud department of Bank of America and they opened an investigation. On XX/XX/2020 the transaction was credited to my account as fraud. On XX/XX/2020 it was again debited. Upon inquiry to Bank of America I was informed that on XX/XX/XXXX by some mechanism either telephone or internet a card was requested to be sent to an address in XXXX and since the card was present for the transaction that they decided it was not fraud and I am responsible for the charge. They can not tell me how the request to have a card sent to XXXX was made. There sole basis for determining that this wasn't fraud is that the card was present.

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 2020-04-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE INQUIRIES LISTED ARE NOT AUTHORIZED BY ME. THESE INQUIRIES ARE REPORTING WITHOUT MY KNOWLEDGE AND THEY ARE DUE FOR REMOVAL.

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 2020-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Unique Management Services, Inc
State: MI

Complaint narrative:
Dated on XX/XX/2020. {$94.00}. Due to COVID-19, the community has been authorized waived fees for materials. During this time credit scores are impacted due to management processes and several notifications and calls have been made to communicate with library staff.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: PA

Complaint narrative:
I have four weeks if unemployment  sitting on Reliacard at USBank, however, I have never received a card. I have called and been placed on hold for 13 hours over the last few days. The phone calls are randomly disconnected after holding for hours. The only way to email them is if you have a card number. Please help.

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 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/XXXX. Equifax charged my XXXX {$140.00} for an annual subscription to Equifax Credit Watch Gold with 3-1 Monitoring   XX/XX/XXXX. Called Equifax to cancel subscription to Equifax Credit Watch Gold with 3-1 Monitoring and was told by Equifax  representative XXXX XXXX that I would need to confirm my identity by sending a copy of my W-2 and drivers license to XXXX. XXXX  XXXX, XXXX, GA XXXX XX/XX/XXXX Via certified mail, sent copies of my W-2 showing social security number and copy of my NY drivers license that shows my current address via certified mail. Also instructed Equifax to cancel the subscription and told Equifax they have no authorization to charge any of my credit card accounts for any services. 

XX/XX/XXXX. Received confirmation from USPS that letter was delivered to Equifax XX/XX/XXXX at XXXX XXXX  XXXX/XXXX/XXXX I called Equifax and spoke to representative XXXX XXXX XXXX. He said it will be 7 to 10 business days from XX/XX/XXXX, so should be able to cancel XX/XX/XXXX to XX/XX/XXXX. XXXX  claimed he draft up a ticket number to make sure my request is processed and he provided me the ticket number. 

XX/XX/XXXX I called Equifax and spoke to representative XXXX XXXX, who confirmed my account and then attempted to sell me more product. I explained to her the history of me attempting to cancel and I just wanted to cancel. She put me on hold and then told me she couldn't cancel my account but I should call Equifax Global Consumer Care XXXX. 

XX/XX/XXXX. Per instructions from XXXX  XXXX, I called Equifax Global Consumer Care XXXX several times and nobody answered. 

XX/XX/XXXX. Called main line for Equifax and was given a new number to call XXXX to cancel subscriptions. 

XX/XX/XXXX XXXX XXXX  called XXXX and talked to XXXX XXXX who said his system was down and I needed to call back in 2 hours XX/XX/XXXX XXXX XXXX  called and reached XXXX XXXX who told me that my account has been inactive since XXXX and she has no record of the charges on XX/XX/XXXX. XXXX said she can't cancel the subscription because the account is inactive and she said any charges subsequent to XXXX would be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I was to receive an offer I accepted of XXXX percent good through XX/XX/20. They claimed I never received the offer. They would not hear me on this matter.

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 2020-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc.
State: IL

Complaint narrative:
OK I have paid my house payment on XX/XX/2020 to fci lender services and with in a couple of weeks they sent it back. I pay Fci but partners for payment relief has my loan. In XXXX Fri sent the money back when I received it back I called them to see what was going on and they told me that as of XX/XX/XXXX they don't have me no more and couldn't tell who I pay my money to so I called partners they told me they will look in to it I have called every week and they tell me the same thing that they have hired a attorney to get a opinion on what to do so I called today she told me that she is waiting to hear back from him.. And so I'm getting behind on my payments and don't know what to do.

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 2020-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
XX/XX/2018. I got an apple credit card for some headphones, i was able to pay with the credit card when i applied for it. Never received my card or bills. Only a bill when i was considered a delinquent account. I have tried to get ahold of them but i am on hold for hours everyday and could never get to a customer representative. The headphones i bought were {$160.00} and now I owe {$470.00} because they never sent me a card to set up 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 2020-04-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have been unable to use my approved TD Bank Retail Credit Card for XXXX XXXX sinceXX/XX/XXXX ( the date I was approved for $ XXXX credit ). I have tried numerous time to contact the company and have experienced extremely long wait times to the point of abandoning the call after several hours of waiting on hold. I have tried sending inquiries and message on their online account portal and not received any email notifying me of their receipt of my inquiry, nor any assistance on resolving the problem using my card on the XXXX XXXX website. XXXX XXXX is blaming TD Bank for the decline messages I am receiving and is advising to contact TD Bank directly for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Please mediate in the dispute with JP Morgan Chase Bank Group XXXX XXXX XXXX XXXX XXXX, NY XXXX, USA. 
Unclaimed Asset/Assets Re-united, USA International Remittance Department Our Website : www.jpmorganchase.com Phone : XXXX ( XXXX ) XXXX XXXX XXXX TELEGRAPHIC TRANSFER OF $ XXXX. 
============================== =========

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
CAPITAL ONE BANK is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2500.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16 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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. This was done on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. This was done on XX/XX/2020.

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 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I have been trying to get Barclay to send me my refund balance of {$1300.00} since the middle of XX/XX/2020. No one will answer the phone nor will they respond to the 5 emails I have sent them. Online they say they will respond to messages within 6 hours. No one responds. I eventually closed my account thinking that would nudge the system to send me my money, but so far it hasn't. I understand the situation with Covid 19, but this is ridiculous. The phone lines indicate longer than normal wait times. I have waited 45 minutes and still no representative. I need my money due to being out of work. Please help me with this.

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 2020-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I c systems opened up a bunch of medical ones on my Credit and never sent me anything and continues to call and harass me after I did a call with the insurance and them. The dates follow and amounts. 
XXXX XXXX {$300.00} XX/XX/XXXX, XXXX {$340.00} XXXX XXXX {$240.00} XXXX {$200.00} XXXX XXXX {$140.00} XXXX XXXX - {$50.00} Another collection agency called and it's called XXXX XXXX of {$210.00} on XXXX 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 2020-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
In XXXX, I've disputed a medical charge on my credit report for Simon 's agency. The company insisted that I was informed by them AND by XXXX XXXX XXXX  about unpaid debt. They have items listed in the following amounts from 2015 : {$10.00}, {$2.00}, {$15.00}, {$.00}. I advised the company that I have NEVER received a letter from them OR XXXX XXXX XXXX  regarding these amounts and requested they send me proof from XXXX XXXX XXXX confirming these amounts. My representative - XXXX ext XXXX - advised it will take too long to send the proof that this was my bill. 

Till this day, they have NOT sent me the actually bill from XXXX XXXX XXXX regarding these amounts that are now in collections. PLEASE HELP with getting these documents so I may clear my name. 

Company number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: NH

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On 13Apr20, I received an email from USAA informing me that my credit limit had been reduced to {$500.00}. Prior to that, my credit limit had been significantly higher, however I can't recall what the actual limit was ( and they were unable to tell me when I asked them about it in a subsequent phone call ). I called their Customer Service department on XXXX20 and spoke to a representative about the credit limit reduction where I was informed that the reduction had been made due to inactivity of my credit card and for no other reason. I expressed my concern regarding the potential negative impact to my credit score as a decrease in my credit limit increases my overall balance to limit ratio. The representative was unable to understand my concern about the balance to limit ratio and informed me that no derogatory remarks were reported to the credit bureau. I have worked very hard throughout the years to ensure my credit score is excellent so this is very frustrating to all of a sudden have a credit limit decrease when nothing has been done on my part to cause it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
See attached letter for Transunion forcing me to go above and beyond to get a free credit report after a denial of a credit increase

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 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I call Transunion and dispute the information. Sent a letter requesting Mov.

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 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In 2017 my wife XXXX XXXX XXXX and I placed freezes on our Equifax accounts. We had to remove them in order for XXXX to process our Payroll Protection Program loan application. I was able to remove mine quickly online. When my wife tried to do the same, Equifax said that it could not verify her identity and would not allow an immediate unfreeze. We called Equifax twice to explain the urgency, as the PPP money was limited and about to run out. Equifax refused to lift the freeze on her account. Instead, they asked her to fax in her details and a copy of her drivers license and then wait 5-7 days. We did that yesterday morning, called again today, and were told that it would take 5-7 days. The PPP money has now run out. XXXX will not process our application until the freeze is lifted. We have now lost out on a forgivable {$30000.00} SBA loan. Equifax took our information and then held us hostage, refusing to respond timely even after explaining to them the urgency of the matter. All of this during a time when every business is hurting and our economy is in a serious decline. Their callous actions cost us {$30000.00}. They should pay that to us and in future be required to act responsibly so as to not harm other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Attempted to obtain a free yearly credit report from Equifax six times today through their automated process. The process is made to be as difficult and confusing as possible and usually ends with their commercial, no further action, and a disconnection after about 10 minutes wasted on the telephone. I finally found a way to reach a live person by going through their ADA required feature. The first time I reached a live person I was told that their systems were updating and to call back, after spending over 10 minutes on the call. Please note that I was able to get a free credit report from XXXX  and XXXX   in less then three minutes. From this experience, I must deduce that either Equifax has some serious internal problems or worse, they are intentionally making it as difficult as possible to obtain a copy of your credit report as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
RE : Capital One Bank I sent two letters to Capital One asking that 4 accounts be closed, 2 checking and 2 savings. The last such letter was directed to the CEO ( attached ) and dated XX/XX/2020. To date, the accounts are still open. 

The accounts are at a XXXX balance. I tried calling the XXXX number and it takes to long to get through to a live operator, there is no option to close or send request through their web site.

Company response to consumer: Closed with explanation