vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: NV

Complaint narrative:
ATTENTION TO ABSOLUTE RESOLUTIONS I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have never done any business or opened any account what so ever with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company ABSOLUTE RESOLUTIONS XX/XX/2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN OR CREDIT ) have submitted all of my personal 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. All information submitted is said to be the rightful information needed to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
My son did five transactions through USAA using XXXX. I am a secondary owner on the account. We contacted USAA and where usually, they would provide a provisional credit while they investigate ; only two days later they replied that there was nothing they could do. They claimed they contacted the XXXX network and the scammer 's bank. The amounts totaled over {$1600.00} which is a lot of money for an XXXX old to lose. I understand that other banks have been able to retrieve funds back for being scammed. I am reporting my frustration that USAA is not willing to help retrieve the lost funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing today in regards to my account with Capital One account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
PAY PAL sent an email stating my card on file had expired so I went on line and inout the correct card for them to use. They have been calling 18 times a day not leaving any messages but just saying hello and not saying anything else. 
Calling times have been from XXXX thru the day until XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing today in regards to my account with JPMCB CARD account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to dispute false information on my credit reports now for almost a year. The most recent letters I have sent were on XX/XX/2021. To this day over 30 days later I have not received a response yet. Equifax, XXXX, and XXXX  are reporting false and misleading information on my credit. This is in violation of the FDCPA section 807. These false items are preventing my family and I from being able to move forward with our life 's. Not only are they reporting bankruptcies with false information, they are reporting negative accounts that should have been removed due to the bankruptcy. My rights as a consumer are being violated and I am highly upset. It has been over 30 days since my most recent letter the the bureaus and I have not gotten a response. This has been going on for almost a year now. This is completely unacceptable. I demand the following items be deleted from my credit reports. 

Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: FL

Complaint narrative:
YOUR COMPLAINT Over the past 12 months I have contacted Equifax and told them that the information that they have that I have lived at apartment XXXX in XXXX XXXX Nevada is false and that I neve lived in an Apartment in addition the same company that keeps telling Equifax that I lived in this apartment is XXXX  who inadittion says that I last made a payment to them in 2019. Well not only did I never live in an apartment that had an a unit number of XXXX but I never made any payments to XXXX  no do I have a loan with XXXX, In addition XXXX keeps telling Equifax that I own property in XXXX XXXX and that they have a mortgage on it. I do not own any property in XXXX XXXX. 5 times equifax has asked XXXX  to provide proof that I own property in XXXX XXXX and Proof that I ever lived in an apartment that had a unit number of XXXX In addition I asked Equifax 5 times to get proof from XXXX  that I sent them any payments especially proof that the last payment I sent XXXX  was in 2019. Today XXXX  has sent no proof to Equifax, and this was verified by equifax to me that XXXX  has not sent any proof to XXXX  that I ever lived in XXXX XXXX at an apartment listed with a unit number of XXXX, proof of any payments I ever sent to XXXX, proof the last payment XXXX  recived from me was in 2019, Proof of that 2019 payment, and Proof from XXXX  that I own any property in XXXX XXXX. ; 5 time already I requested equifax to get this information from XXXX  and 5 times Equifax says they tried to obtain this information from XXXX  and it was not provided. YET its Equifax who refuses to delete this information from my credit report and has cause my FICO score to be XXXX points lower than XXXX XXXX FICO score. Its is Equifax who is responsible and liable if XXXX has not provided Equifax the proof and Equifax has not sent me the proof from XXXX ( XXXX XXXX XXXX ) then by law, Equifax must remove the XXXX  derogatory harming information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person

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 2021-02-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: U.S. BANCORP
State: MA

Complaint narrative:
As a XXXX XXXX XXXX for 36 years, I am writing to report what I feel are unfair and deceptive acts or practices made by both U.S. Bank. 
I recently received notification from the banks referenced above that my credit line has been lowered due the reasons listed below : Proportion of balances to credit limits is too high on bank revolving or other revolving accounts Lack of recent installment loan information Amount owed on revolving accounts is too high Time since most recent account opening is too short This deceptive practice is balance chasing which means that instead of freeing up credit, the customer has less available credit due to the lower credit limit. The banks are beginning to engage in this practice to limit their risk by reducing the amount of a particular borrowers available credit.

Balance chasing is more likely to occur if the cardholder makes larger payments or may appear to be a high-risk borrower who makes late payments or defaults on other credit cards or loans. An unintended consequence of balance chasing is that even though debt repayment is responsible consumer behavior, it can make it difficult improve a credit score, such a FICO score. 
Another issue with this is that my credit utilization has increased since the banks reduced my credit line. It has also impacted my credit score making it much more difficult to be approved for credit so that I may consolidate my debt as I have done in the past. It is just a matter of time before I see a rate hike due to this unfair practice. 
My credit history has been solid, so it is not clear to me as to why there is a lack of recent installment loan information seeing that I had two automobile loans from XXXX XXXX XXXX XXXX and XXXX XXXX and was paid in full on XX/XX/XXXX and XX/XX/XXXX, respectively. 
Please note that as of XX/XX/XXXX my credit score was XXXX and is currently reporting at XXXX as of XX/XX/XXXX. I have always made my payments in a timely manner and my credit has remained in good standing for many years despite what is stated above. 
The average age of my accounts is 7 years and 5 months with the oldest account 17 years and 6 months. 
My newest account was opened recently at a furniture store back on XX/XX/XXXX. I also had two personal loans I took out with XXXX XXXX that were paid in full as of XX/XX/XXXX and XXXX XXXX, XXXX. 
I understand that the economic conditions have worsened due to the COVID-19 pandemic and that may be a reason for banks showing their reluctance to lend. However, consumers that reflect a solid credit history with favorable credit scores should not be penalized. This appears to be another tactic to raise their interest rates and bottom line.

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 2021-02-10 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I used my debit card to purchase prescription lenses for glasses that i already owned. The prescription was filled incorrectly, so i retuned the glasses with the lenses to be corrected. Then the store declared bankruptcy. I went to the store to see the situation, and discovered the optical section of the store was gone. I spoke with a manager and the gave me a phone number and email address that I could reach out to. I did that, but never recieved a response. So now I don't have the glasses i previously pirchased, and obviously don't have the lenses that I paid for. I then reached out the the general store for guidence and they told me to dispute with the bank I was dealing with. I did that, I submitted all the papers they asked for via email, and then regular mail. Today I recieved a letter stating they closed the case because I am responsible for the charge, even though I never recieved my item. They provided me with a copy of the purchase receipt. I never said i didnt make the pruchase, I said i never received the item. 
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 2021-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Filed a wire fraud claim with Bank of America on XX/XX/XXXX to recall {$12000.00} sent to XXXX XXXX on the same day under their case no. XXXX. They closed the case without letting us know but charged us an investigation fee. Refiled another claim on XX/XX/XXXX under case no. XXXX. Each time we called, they just said that the back office was working on it. Requested to talk to an investigator without success. Until the last call on XX/XX/XXXX, we found out that the case was officially closed due to 'non-responsiveness from XXXX XXXX '. The representative who took the call told us that, according to the comments/notes on the case, BOA already sent us an email on XX/XX/XXXX about the closure of the case which we never received. He also asked if we got a copy of the " HoldHarmless '' letter or email that BOA sent to XXXX XXXX. To our unpleasant surprise, BOA seemed to have done something but never communicated with us. From what we understand, XXXX XXXX  did respond to BOA in XX/XX/XXXX. We don't know who is telling the truth. BOA may simply update case notes that they never act on. We feel like that we are being victimized the second time. Being their loyal customer for over 40 years, we are very disappointed and frustrated by how they handled our claim!

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 2021-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Someone asked me for my cell number to zelle me a payment. I gave them the number I use and they sent the transaction. I received a text message saying a payment had been sent and to go to a link to accept it. 
When I try to register it, it says that XXXX voice numbers can not be registered. Calling the support number for zelle the person said that there is nothing that will be done and the unclaimed funds would eventually be returned to the sender. They couldn't give me the information on the sender and that there was nothing that could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: PA

Complaint narrative:
I submitted a statement requesting for these accounts to be blocked and deleted due to fraudulent activity. 

XXXX XXXX  Acct no : XXXX XXXX XXXX Acct no : XXXX XXXX XXXX Acct no : XXXX XXXX XXXX XXXX Acct no : XXXX XXXX XXXX Acct no : XXXX Inquiries : XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX 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 2021-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
ATTENTION TO XXXX  XXXX  I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have never done any business or opened any account what so ever with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company XXXX  XXXX  XX/XX/2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN OR CREDIT ) have submitted all of my personal 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. All information submitted is said to be the rightful information needed to resolve 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 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
My son, XXXX, purchased a vehicle through Bridgecrest ( XXXX XXXX ). I agreed to co-sign when the sales people at XXXX XXXX assured me that after 6 months my name would come off if he made his payments on time, which he did. He subsequently had an accident which totaled his vehicle. He had purchased GAP insurance through Bridgecrest at the same time he purchased the vehicle, so when it was totaled he stopped making the payments and his GAP insurance paid off the balance of the loan. At the time he totaled the car, I believe he was late on his payment. Bridgecrest is reporting that I was personally late on my son 's car payments. Had they notified me, I would have made the payment just as I had once before.. They will not correct the report to show that I was the co-signer, not the actual borrower. XXXX  only accepts their version. This is wrong! Can you help me?

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 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
Credence Resource Management LLC contacted me via mail on XX/XX/XXXX with an Account Notification on behalf of XXXX XXXX XXXX XXXX ( creditor ). They stated the creditor authorized their office to accept a payment of {$200.00} to resolve an account for less than the full amount owed, savings of {$240.00}. I contacted Credence via phone on XX/XX/XXXX stating that this outstanding amount is not my responsibility. From XXXX to XXXX I worked for XXXX  XXXX  that was the primary account owner of the XXXX XXXX XXXX mobile corporate account for all employees. My existing cell phone number was ported into this corporate account which then was billed to the company address and paid monthly by the company, which additionally purchased and owned the devices. I was terminated from the company in spring of XXXX, the company sold the entire business two weeks later. I to get the company owners to authorize XXXX XXXX XXXX to port my number back to XXXX which was a new personal account for me in spring XXXX after leaving XXXX  XXXX. The device was returned to the company after they authorize the port of my cell number. I was never responsible for any financial responsibility on this account. The company no longer exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Score Decrease Your FICO Score has decreased by 3 points. 

XXXX  XXXX  / Credit Card Inquiry WF CRD SVC got a copy of your XXXX  Credit Report. 

Today What happened? 
WF CRD SVC made a Bank / Credit Card Inquiry by checking your XXXX Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : XXXX  XXXX  : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : ( BYM ) AIL-ONLY What Now? 
If you're still searching for the perfect card, explore your matched offers and apply with confidence through XXXX. 


Not Correct? 
You are receiving this alert because your membership includes XXXX  XXXX XXXX XXXX XXXX. 

What is XXXX  XXXX XXXX XXXX XXXX? 

Close I did not apply for, nor have I ever applied for a Wells Fargo account of any kind ( credit or otherwise ), ever! 

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