vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have made a purchase on XX/XX/XXXX online from a seller that is outside the country in XXXX and paid XXXX dollars with my capital one card ending in XXXX The item did Not arrive so I submitted a dispute to the charge. Capital one gave me a Credit on XX/XX/XXXX. Then I received the watch which turned out to defective and a piece of junk. So capital one rebilled me XXXX dollars which was XXXX dollars more than what they credited me. I called capital one and sent them what documents they asked and told them that what I received is NOT as described and its a piece of junk not worth XXXX dollar and a defective watch. So then they gave me a credit for XXXX and that is XXXX dollars less than the charge. Then they rebilled me again in XXXX of XXXX and I called them back and gave them more documents so they credited me the rebilled amount on XX/XX/XXXX and the case was closed since its been more than 90 days since I disputed the charge .. case was CLOSED back in XXXX of XXXX and the dispute was over 4 months old. Now after 7 months of opening the dispute capital one card decides to rebill my account for XXXX dollars for NO reason. Its been 7 months that passed since I opened the dispute and the case was closed in XXXX after I was given a credit since the watch I received was NOT as described and I was scammed by the seller and the watch was defective and had NO value. Capital one should have NOT charged my account on XX/XX/XXXX for an old dispute that was 7 months old and closed a long time ago. This is Fraud by capital one and very shady business practice. I want my money back and I want capital one card to credit and refund my account for the XXXX dollars and the XXXX dollars that they overcharged me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-12 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX  XXXX  XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX  XXXX, XXXX {$0.00} XXXX/XXXX  XXXX XX/XX/XXXX {$0.00} XXXX/XXXX  XXXX XX/XX/XXXX {$7200.00} XXXX/XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$2600.00} XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2021-02-12 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: IL

Complaint narrative:
There are a lot of inquiries on my report that I did not authorize those companies to do and I need them removed from my credit report 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 2021-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDICO. INC
State: ND

Complaint narrative:
I first received a phone call from a woman from Credit Collection Bureau of XXXX, ND for a debt that is not listed on my Credit Bureau Report and that of a Medical Bill that I have never heard of. I told her I do not have that particular debt and she said, " Well part of this is paid off ''. I told her to stop calling me ... and I blocked her. I then received a letter with Medical Bills. 

I have been a victim of Identity Theft in the recent past. 



XXXX XXXX XXXX  & XXXX XXXX XX/XX/2021 I am on the Do Not Call Registry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In XX/XX/XXXX XXXX XXXX sent a balance transfer payment to American Express but the Account number provided was incomplete. The payment then became missing after I contacted XXXX XXXX where they verified the payment was sent to American Express and rejected based on the BT document. I opened a dispute with American Express and sent the documents that provided the information they were requesting but closed the dispute after a few days asking for the same information that I had provided without attempting to inquire about the missing payment sent to them. I have been going back and forth between XXXX XXXX and American Express and no one is able to help me figure out how to find this electronic payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: NY

Complaint narrative:
The initially disputed XXXX charged-off account with a current {$0.00} balance had a balance of {$7400.00} and was reduced to {$0.00} and claimed to have been paid in full after charge-off for a reduced payment after the account was disputed with XXXX and Transunion. This charge-off being reported by XXXX was transferred and paid in full under my XXXX XXXX account by another banking institution. The actual loan which is listed under the XXXX XXXX account clearly shows this in my TRANSUNION credit report. I have never paid so much as a XXXX on this charged-off XXXX duplicate account. Transunion does not show the amount of this alleged recent payment nor do they report the date this alleged payment was made in my payment history. I have reviewed my credit report on the phone with multiple Transunion reps pointing to this transferred and paid status to no avail. 
I havenow received investigation results from TRANSUNION under File # XXXX stating that the disputed {$0.00} charge-off listed under my name, address, and social security number was updated with as PAST DUE STATUS and verified as accurate. An alleged {$0.00} balance is now reporting as past due. I have issued a Method of Verification to Transunion for this reporting and have yet to receive a response which they are required to submit within 15 days under the FCRA. 
Transunion refuses to do an independent investigation where even a simple phone call to XXXX would confirm that I have never opened a note loan under the duplicated account listed as XXXX. Instead, Transunion continues to rely on unreliable electronic verifications, coupled with a failure to provide a Method of Verification to their inaccurate findings. I understand that the CFPB does not litigate disputes and is simply a means to file complaints against what a consumer views as a Federal and or State offense. This complaint is written as an attempt to correct the reporting to avoid litigation with Transunion and 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 2021-02-12 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX/XXXX  XXXX XX/XX/XXXX {$0.00} XXXX/XXXX  XXXX XX/XX/XXXX {$7200.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2600.00} XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S Dept Of Ed/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. Dept Of Ed/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. Dept Of Ed/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXXf XXXX on XX/XX/XXXX ( Reported Identity Theft )

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 2021-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I have recurring payments setup via PayPal for my XXXX services. I've had my PayPal " preferred '' payment method as my credit card for years, yet somehow they keep defaulting it back to my debit card as the payment method. My monthly XXXX just came out and surprise surprise, it came out of my debit card even though that isn't my preferred payment method ( and never has been ). This happens repeatedly with PayPal ... ... .it 's no doubt a UDAAP violation as they do not want to pay credit card fees, so they default to debit cards you have on account on a regular basis. It's deceptive and they have been doing this for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: CT

Complaint narrative:
On XX/XX/XXXX " TransUnion '' lowered my score " Again '' from " XXXX '' by XXXX points to " XXXX '' without any provocation. Which was previously lowered by them before, my scores with the other credit agencies are currently over " XXXX '' and rising. But for some unknown reason " TransUnion '' will periodically and randomly lower my score, although there has been no erroneous changes to my credit. I requested several disputes of my CT Child Support account balance being incorrect due to it being drastically reduced by my stimulus funds that was rerouted to CT Child Support, " TransUnion '' has refused these disputes multiple times. Can you please assist me with 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 2021-02-12 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: OneMain Finance Corporation
State: NY

Complaint narrative:
The initially disputed Onemain charged-off account with a current {$0.00} balance had a balance of {$7400.00} and was reduced to {$0.00} and claimed to have been paid in full after charge-off for a reduced payment after the account was disputed with Onemain and XXXX. This charge-off being reported by Onemain was transferred and paid in full under my Onemain Financial account by another banking institution. The actual loan which is listed under the Onemain Financial account clearly shows this in my XXXX credit report. I have never paid so much as a penny on this charged-off Onemain duplicate account. XXXX does not show the amount of this alleged recent payment nor do they report the date this alleged payment was made in my payment history. I have reviewed my credit report on the phone with multiple XXXX reps pointing to this transferred and paid status to no avail. 
I havenow received investigation results from XXXX  under File # XXXX stating that the disputed {$0.00} charge-off listed under my name, address, and social security number was updated with as PAST DUE STATUS and verified as accurate. An alleged {$0.00} balance is now reporting as past due. I have issued a Method of Verification to XXXX for this reporting and have yet to receive a response which they are required to submit within 15 days under the FCRA. 
XXXX refuses to do an independent investigation where even a simple phone call to Onemain would confirm that I have never opened a note loan under the duplicated account listed as Onemain. Instead, XXXX continues to rely on unreliable electronic verifications, coupled with a failure to provide a Method of Verification to their inaccurate findings. I understand that the CFPB does not litigate disputes and is simply a means to file complaints against what a consumer views as a Federal and or State offense. This complaint is written as an attempt to correct the reporting to avoid litigation with XXXX and Onemain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime bank has a new XXXX XXXX card heavily advertised to help build your credit if used. Myself and many others have been scammed into getting this card under the impression it would help build our credit, only to have our credit drop anywhere from XXXX. Many users have spoken to representatives who have told us the card absolutely will not lower credit limits, only raise them. Today I personally saw a card user be told this by a representative as he went to cancel his XXXX  XXXX  card. I believe this is a scam / very misleading at the least. People are being told lies that this card is unable to badly affect credit and to use it like a debit card. This is negligent and is ruining credit scores and lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Statebridge Company
State: FL

Complaint narrative:
Statebridge company calls repeatedly and has reported my debt unpaid for 60 days. 
I paid online in XX/XX/2020, but requested information to pay without incurring a {$5.00} processing fee. 
I was directed to use bill pay. 
I paid {$190.00} on XX/XX/XXXX I paid {$95.00} on XX/XX/XXXX These were processed by bill pay through XXXX XXXX. I have the records on my bank statement. 
Statebridge does not have any way to contact them. They keep customers on indefinite hold and have a fake answering machine service and is impossible to access.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Hello, on XX/XX/2020 I placed an order with my Apple Card on XXXX XXXX. The tracking showed it was delivered. I waited a few days, checked my whole building, spoke to my security before contacting the merchant, I waited a few days, received no response. Thats when I decided to dispute the charge with Apple. They keep putting the charge back on my account because theyre saying the merchant provided evidence that it was delivered. However I did not receive my item. How can I show proof that I never got my stuff? Apple said they cant help me until I submit a complaint with you guys. Please help me, I am not willing to pay that money for an item I have not received in almost 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NM

Complaint narrative:
On or about XX/XX/XXXX square closed my account for to many pre paid credit cards used on the pay system. Fine there where on three transactionsu XXXX XXXX I was informed on XX/XX/XXXX that m jnjby XXXX $ would be held for 18 0 days to ensure that nothing had been Wrong or frauded my 3 transactions. Now I filed a separate complaint on this but was denied so In the response to my complaint it was stated my funds would be Ileased after 180 days of Lockdown. That deadline has come and gone and nothing from square or my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I had disputed a transaction with bank of america about fraudulent transactions on my account i had money in my account that i was saving for my grandmothers birthday only to notice that my banking information had been compromised. When i noticed that my funds where missing i reported it to bank of america as soon as i noticed. The location that i am in only has Bank of america atm 's so i couldn't even go inside of a branch to report the problem. I filed a dispute once i finally got a hold of a representative she was very rude and hung up on me not being the slightest bit of professional. My dispute got denied and i submitted another dispute and another lady was rude as well about it not trying to do anything to help me or give me steps on what i should do next and putting the bare minimum in my dispute which may be the reason why my funds where not refunded. As soon as i noticed my funds where missing i reported it immediately like i was supposed to and they still did not help me even though i explained to them that my debit card was stolen and they still are holding me accountable for these transactions. I need help 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 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed for chXXXX as a result of medical billing. The discharge was granted XX/XX/XXXX and we began the process of rebuilding credit. I applied for a credit card with a particular company on XX/XX/XXXX - AFTER the discharge, important point here. Upon receiving the card and reviewing Terms I choose to not use the card and the account closed without use in XX/XX/XXXX. 

Experian shows the account reported by the particular company as being discharged as part of the chXXXX AND having a late payment in XX/XX/XXXX. Both of these are impossible. An account that was opened on XX/XX/XXXX CAN NOT have a missed/late payment in XX/XX/XXXX. An account that was opened on XX/XX/XXXX CAN NOT be discharged as part of a court event that took place on XX/XX/XXXX. In both instances the account did not even exist. This is ludicrous. 

I disputed this twice to Experian. The first time they said the particular company said, " Nope, the info is correct. '' So I disputed a second time with dates and screenshots from their report and my discharge papers to prove the dates showed it was impossible to have a late payment and be part of the discharge. Somehow the second dispute investigation came back saying, " Nope, you bankruptcy was confirmed by the court. '' Are you kidding me? Is this that hard to understand and correct? This entity is responsible for credit reporting. This is unacceptable.

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