vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-03 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: NY

Complaint narrative:
On XX/XX/XXXX I requested three regular ticket from XXXX and XXXX on XXXX XXXX for a trip XXXX  XXXX on XXXX XXXX, the ticket was supposed to be issued right away, but was issued a day later, not allowing me to cancel it within the 24 hours as allowed bu US law, even I asked for it to be canceled. I called XXXX and XXXX I told the credit card usage was unauthorized. 

I was sold a consolidator bulk ticket not a regular ticket, something never agreed upon. 

Few days later XXXX XXXX announced that they went out of business, I contacted them for a refund, XXXX XXXX said that they had a reservation which was canceled but XXXX issued the ticket as cash, and XXXX charged me separately for it, therefore XXXX XXXX didn't owe anything. Capitalone was contacted and they played hard to initiate a dispute, after I emailed their executive department, on XX/XX/XXXX they replied on XX/XX/XXXX that they will initiate a dispute, I never authorized XXXX  to purchase the tickets as cash and never knew that they sold a consolidator ticket. 

Capital One right away gave a hard time. After pressed to open a dispute, I contacted the CA Attorney General against XXXX for making unauthorized charge in my account and fraudulent charge, they put I dispute on and today XX/XX/19 I was rebilled for the fraudulent charge because Capital One does not want to rebill the merchant. They were explained from the beginning that fraudulent charged limits me for up to {$50.00} but CapitalOne said that their credit card division is based in XXXX and only follow XXXX law. I applied, got and always paid to CapitalOne USA, never did any business whatsoever with XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
In XX/XX/2019 I opened an account with the store XXXX XXXX XXXX with the belief I would receive 12 month promotional financing for the purchase of cabinets which was advertised on the stores website. After the purchase of {$1500.00} I found out on the bank website, Synchrony bank who did the financing, I received 6 months financing. The last payment I made was on XX/XX/2019 however the payment was made electronically and was not posted until 4 days after the promotion expired. Now I am being charged {$170.00} in interest fees. This is undoubtedly false advertising and the store is at fault.

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 2019-11-03 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: IL

Complaint narrative:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report. 

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

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 2019-11-03 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: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
There was a collection account placed on my XXXX credit report on XX/XX/19 with a balance of {$1800.00} by XXXX XXXX XXXX. The original creditor is listed as Comenity Capital Bank whom I have NEVER heard of. It is listed that the account was opened in XX/XX/2019. I have not opened or applied for any credit accounts in the past year. This is not my account and I do not owe this company any money. I have never received any written or verbal notice of this account either prior to or after it was placed in collection therefore this has been my first and only opportunity to dispute this. I was part of the XXXX data breach as well as a XXXX XXXX XXXX XXXX data breach. I have disputed this directly with XXXX as well as attempted to dispute it with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: IL

Complaint narrative:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

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 2019-11-03 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: IL

Complaint narrative:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the fu
rnisher ( s ) of that information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-03 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: VA

Complaint narrative:
On or about XX/XX/XXXX the balance on my Bank of America credit care account was {$8800.00} and regular monthly statements were being received at my address. 

In two separate transactions dated XX/XX/XXXX and XX/XX/XXXX the amounts of {$6200.00} and {$2000.00} were charged to the account as online banking advance to. The statement ultimately obtained from Bank of America provided no information as to whether such advances were by check or by wire, who obtained the advances, or any addresses or banks to which they were paid. Further, at no time did any person at Bank of America contact me to confirm the transactions. 

Shortly thereafter, though not noticed until XX/XX/XXXX, monthly statements from the Bank of America account stopped coming to my address. The XX/XX/XXXX statement was addressed to XXXX XXXX XXXX, XXXX, NC XXXX and the XX/XX/XXXX and subsequent statements were addressed to XXXX XXXX XXXX, XXXX, Nevada XXXX. The statements sent to XXXX continued through XX/XX/XXXX, when I discovered the fraud and contacted Bank of America by phone. I have never lived in XXXX or XXXX. 

Bank of America personnel acknowledged the claim by letter dated XX/XX/XXXX, but refused to give met any information about the bank accounts to which the moneys were directed or copies of the change of address communications instigated by the defrauder. Then, by unsigned letters dated XX/XX/XXXX and XX/XX/XXXX, Bank of America denied my claim, reinstating the fraudulent transactions and the bank charges that accompanied them. 

A letter sent by my attorney to the Bank of America legal division on XX/XX/XXXX has still not been answered.

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 2019-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: LA

Complaint narrative:
Will not rehash on earlier complaint they didnt fully address, only wish Arvest Central Mortgage to admit that once they were notified that our home was condemned that we had no other option, per our contract, but to pay off the loan with the insurance funds.For Arvest to continually refer to a conversation before this date is irrelevant as they didnt have the funds, or all the information to say what we could or could not do with those funds, before we notified them of these findings

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I pulled my credit report on XX/XX/2019 and discovered there was two collections in my report from Portfolio Recovery Associates, LLC and two hard inquiry 's. On XX/XX/2019 I sent a letter to Portfolio Recovery Associates, LLC which they received on XX/XX/2019. The letter will be on file. I asked Portfolio Recovery Associates, LLC for the following : 1. Provide a CERTIFIED copy of Authorization signed by me, naming their company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file.

2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present.

3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. 

I received a letter from Portfolio Recovery Associates, LLC, but they did not give me what I asked for.They did not show me any proof that I owe this monies, but a letter stating my name, account numbers, and a balance. I am forwarding all my letters for you to see and Portfolio Recovery Associates, LLC to see just in case they claim they didn't receive my letters

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC
State: NV

Complaint narrative:
CoreLogic is reporting rental history that belongs to my father XXXX XXXX XXXX for an address on XXXX in XXXX XXXX, Nevada under my name XXXX XXXX XXXX. Ive been attempting to get their records updated by sending them the court records and the Property Managers even sent a letter stating the same but CoreLogic refuses to remove the information from their tenant report on me and its resulted in me being denied a place to live twice as well as over {$300.00} in application fees.

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 2019-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX ran my report 3 times in short period without my knowledge or permission. I never signed any agreement ( written or verbal ). I think this is fraud. I will not except no on this. I will message as many times needed until it's removed. I own my house deed and all. I can prove this. There is no need for me to apply for a home loan when I own one out right

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 2019-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC
State: NV

Complaint narrative:
I've been writing CoreLogic since 2015 requesting inaccurate information be removed from my tenant report but they refuse. I've sent police report, court records, chapterXXXX bankruptcy information and still they refuse so the information is being reported as an open judgement for unlawful detainer against me and I can't rent a home. They've cost me well over {$1000.00} in application fees and have caused at least 8 denials. I've reported them under Fair Credit Reporting but have never received any 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 explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX ran my report 3 times in short period without my knowledge or permission. I never signed any agreement ( written or verbal ). I think this is fraud. I will not except no on this. I will message as many times needed until it's removed. I own my house deed and all. I can prove this. There is no need for me to apply for a home loan when I own one out  right

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX ran my report 3 times in short period without my knowledge or permission. I never signed any agreement ( written or verbal ). I think this is fraud. I will not except no on this. I will message as many times needed until it's removed. I own my house deed and all. I can prove this. There is no need for me to apply for a home loan when I own one out right

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 2019-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have tried multiple times to contact portfolio recovery collections and the credit bureau XXXX regarding the three debts that they have in collections on my credit report. This company is devious and has put the wrong open dates wrong on my credit report along with constantly trying to contact me. The original debts were opened many years ago and if you even call and attempt to speak to anyone in the company they will immediately assume that the debt is yours and change the open date of the debt and the credit bureaus will not listen to the consumer but to the debtor. I have tried to fight these old debts and have gotten nowhere. 
I do not have all of the dates of when I have contacted portfolio recovery - for if I do, it makes it worse. I just recently tried to fight the credit bureau again within the past 6 months and the gentleman on the phone was extremely rude to me. 
The amounts of the three debts are : {$960.00} - open XX/XX/XXXX {$940.00} - open XX/XX/XXXX {$890.00} - open XX/XX/XXXX These dates are NOT the original open dates of any past due debts that I own. If you look at my credit report, all of my credit has been paid on time. 
I am fed up and frustrated about what else to do. I have sent them letters and I just don't know what else to do. I really need your help. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
M & T refuses to answer my numerous email phone calls and messages. I have also contacted the office of the president and I get no response either. I made a deposit on XX/XX/26 of {$1200.00} confirmation XXXX and my money was withdrawn but never put into my other checking account. Where is my money? Also, M & T promises that when you do transfers that the funds will be available the next morning. This is not the case. Once again I have incurred over {$700.00} in NSF fees because I do transfers but the money doesnt deposit. This is one of numerous situations. M & T owes me my {$1200.00} as well as my {$700.00} in NSF fees for not depositing money on time.

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 2019-11-03 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: Rocket Mortgage, LLC
State: SC

Complaint narrative:
Quicken loan ran my report 3 times in short period without my knowledge or permission. I never signed any agreement ( written or verbal ). I think this is fraud. I will not except no on this. I will message as many times needed until it's removed. I own my house deed and all. I can prove this. There is no need for me to apply for a home loan when I own one out right

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
XX/XX/2019-I did a Payment on my credit card account of {$180000.00} XX/XX/2019-Bank of America took {$180000.00} from my credit card account in concept of Refund. 

After few days I called the bank asking about my money and why they did that without any previous information.. The Bank said they sent me a Check of this amount at my home. 

XX/XX/2019 : I received the check, but It was damaged ( USPS broke the check and they gave me a regret for the situation ) I contacted the Bank and explained them the issue. The attendant told me that they can cancel the check and reimburse me the money at my checking account ... It never happened I called many times for the next weeks, explained over and over again to who was behind the phone.. All of them promise me the same.. 

XX/XX/2019.. A XXXX answer my call and he promise to gave me back my money.. Nothing happened XX/XX/2019.. A XXXX answer my call and he promise to gave me back my money.. Nothing happened It's been almost two months since Bank Of America took my money and they didn't give any solution.

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 2019-11-03 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:
You have reported my Walmart account closed in XXXX and again in XXXX. My account was paid in full. Please delete both accounts off my credit report. I havent had a Walmart credit card since XXXX. Please update this with the credit bureaus as well

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

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