vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have reported fraudulent activity to XXXX  through my credit card company, which is Capital One and I am still seeing fraudulent activity on my credit card statement. I filled a police report with XXXX XXXX Police Department and I have not been given the opportunity to provide a police report and an FTC report. I have spent the last two months trying to resolve this problem, and according to Capital One, no fraud was found on their end, which is incorrect, since I told them already my card was stolen along with my phone. I have called XXXX already and they keep on sending me to Capital One to fix the problem. 

Capital One approves people for a credit card, and they claim there is zero liability on fraudulent charges, but my card gets stolen and they just keep on transferring me from department to department, and they do not resolve anything. Capital One asked me to call XXXX to provide the police report to them so they stop charging my account, and they do not want to even speak about the subject. The thief created a fake account, with a fake email, fake phone number, and used my actual physical address to make these purchases and stole them from the front porch. 

The fake name used is XXXX XXXX, the fake email is XXXX and the fake phone number is XXXX. 

XXXX has been extremely negligent to not require a signature for packages delivered and not only that, but it is quite opportunistic from their end to keep on charging my account, when Capital One already reported the situation as fraud. 
Capital one is allowing these transactions to go through without giving me the opportunity to provide a police report and my FTC report. 
I will NOT pay for fraudulent purchases. 

XXXX needs to give me the opportunity to submit adequate documents, such as a criminal report and refund my account immediately. 

By law, as an identity theft victim, I have the right to have all fraudulent activity blocked upon submitting the appropriate documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion shows ( 1 ) derogatory item in my report, but does not give me an option to submit a dispute. The item is older than 7 years and should be removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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:
XXXX XXXX XXXX has been placed on my credit report as the owner of this debt however, there. are several names on this invoice with no further information. The invoice not only has a name of XXXX XXXX XXXX, it also has XXXX XXXX XXXX, XXXX, it states services provided by XXXX XXXX XXXX XXXX, there is a name of a XXXX XXXX. This alone is adding false information to my credit report if they are not the actual owner of the debt. 

I have contacted XXXX XXXX requesting more information which includes documents that I would've signed in the emergency room and they have not responded.

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 2021-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PARK NATIONAL CORPORATION
State: OH

Complaint narrative:
I pulled up a copy of my credit report and seen there were some accounts that is not mines and will need them removed. There are miss spellings of my name, phone numbers that are not mine, and addresses that I have never resided at. The following accounts in dispute are listed below : XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, # XXXX, XXXX XXXX XXXX # XXXX, # XXXX, GUARDIAN FINANCE # XXXX, # XXXX, # XXXX, # XXXX, DEPT OF ED/XXXX  # XXXX, # XXXX, # XXXX.Please Delete NAMES that does not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX.Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX, OHIO XXXXPlease Delete Telephone numbers that does not belong to me : ( XXXX ) XXXX, ( XXXX ) XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TCF NATIONAL BANK
State: CO

Complaint narrative:
My wife had used my phone to contact a loan with my information and withdrew the amount from my account and left.. 
First loan started take the payments from my account and when the payments wasnt going through, they called me and I told them I dont know anything that my wife did that out of my sight

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: FL

Complaint narrative:
I am writing to dispute these accounts XXXX and XXXX fraudulently opened in my name. also, XXXX and XXXX inquiries. I am a victim of identity theft. Please provide proof of claim with evidence that these companies have legal and lawful authority to collect? 1. Validation of the debt ( the actual accounting ) 2. Verification of claim ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties. Failure to substantiate the claim, please settle account immediately. Im challenging this account with XXXX, XXXX  and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). I will also file a complaint with the Attorney General. I will further pursue all of my legal remedy without further notice to XXXX, XXXX and XXXX. I have attempted to resolve this matter formally before filing a complaint and lawsuit! 
Please provide three things : 1. Validation of the debt ( the actual accounting ), and 2. Verification of claim against me ( a sworn affidavit or signed invoice! ), and 3. A copy of the contract binding both parties. 
I would be happy to pay any financial obligation I might lawfully owe as soon as these three documents are received. Im challenging this account with XXXX XXXX and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax is disingenuously tanking my credit score. I have been keeping an eye on my reports for the past several years and watched it go up and down and I've investigated as to the reasons why, and it's always been for reasons that could understand, but on XX/XX/2021 my score dropped twenty-nine points for no reason at all. The fact is that it should have risen because there were four reported balance decreases. I spoke with a representative from Equifax that double talked to me. When I asked why my score dropped so dramatically on that particular day I was told that they did not keep day to day historical data. On that day my XXXX score was and still is XXXX and my Equifax score was XXXX. It dropped to XXXX and the reason was because there were four balance decreases reported that does not make sense. My question is how could my score take a drop like take for no reason and if there were a reason why didn't my XXXX score drop if they are both using the same system to grade credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE LATE ACCOUNT IS STILL FOUND AND NEEDS TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2021 I accidentally paid Best Buy, Citibank Credit, {$120.00} via a bill payer application. I call Citibank and explained the error in XXXX and again in XXXX, in addition to receiving 2 statements indicating a credit on the account. 

On both calls the representative confirmed that there was a credit on the account, and that the account was actually closed due to inactivity. They stated on both occasions that a check would be issued within 5 to 7 business days. 

It has now been over 2 months and they have yet to issue a check.

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 2021-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I got an alert from XXXX about a collection agency on my report affecting my credit. I immediately went to verify and confirm that a collection agency under the name of EOS CAA ( XXXX XXXX XXXX XXXX, XXXX ) representing XXXX initiated a collection attempt for the amount of {$360.00} under my name. 

I immediately reported this collection as this is not my account, as I never had an account with XXXX. 

It is important to mention that this is NOT the first time XXXX intent to send a collection company to me. About 2 yrs ago the exact same situation occurred and I reported it to the authorities, Social Security, and put a FREEZE on my credit and since then in order to increase the protection of my personal and credit, I locked all 3 credit reports on all the bureaus. Also, there is a Fraud alert on my Social Security and credit as well. 

So, PLEASE for this reason Im requesting an in-depth investigation on this matter and clear my name and credit from this collection on my report. 

Thank you for your prompt attention on this matter. 

Respectfully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: MD

Complaint narrative:
On XX/XX/2021 I submitted a dispute with Equifax about a bankrupcty on my report, I received a letter from them stated that they verified the bankruptcy through XXXX company on XX/XX/2021. So they how could not have been verified from XXXX because I had disputed the bankruptcy with XXXX and they have deleted it from my profile on XX/XX/2021. I sent Equifax the letter that I received from XXXX that show proof that they have removed the bankruptcy from my file and Equifax refuse to delete it from my credit report. So Equifax is reporting false information on my report. I called on XX/XX/2021 talked with one of their agents name XXXX who ID number is XXXX and he told me that there is nothing that they could do because they verified it with XXXX, so I asked if he can send me proof that XXXX say that I have a bankruptcy, and he said that he can not and I said then you must remove it because you are reporting false informantion. I would like to have this bankruptcy remove immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America offered me a promotional balance transfer APR of 0 % until XX/XX/XXXX. In XX/XX/XXXX I took advantage of this promotion and transferred a balance on to my card. 

I called Bank of America and asked them how I could go about continuing to use the credit card for purchases, while avoiding paying interest on my bill. I was told that as long as I made a payment equal to the minimum payment plus any purchases I made, I would not be charged any interest. This is also reflected on the statement in the section " Important Information About This Account '' : HOW WE ALLOCATE YOUR PAYMENTS- Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first ( including transactions made after this statement ). Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs. 

Based on this information, I made a payment on XX/XX/XXXX of {$980.00}. This includes a minimum payment of {$47.00}, plus {$930.00} in purchases, plus {$6.00} in previous interest. Based on what the statement said, {$47.00} of my payment would be applied to the Balance Transfer balance as it has the lower APR, while the rest would be applied to the purchase balance as it has the higher APR. 

When I received my statement on XX/XX/XXXX, I was indeed charged interest on purchases I had made, in contradiction to what both the statement says and what I was told over the phone. When I called to speak with Bank of America about this, I was told that this is how they handle credit card interest when people have a promotional APR. Purchases will start accruing interest immediately, even if the full purchase amount is paid by the due date.

This means that while they may not be charging me interest on the balance transfer, they are instead now charging me interest on purchases they would not normally have charged interest on. Every credit card I've ever had charges no interest on purchases that are on the statement as long as a payment equal to those purchases is made before the statement 's due date. Bank of America apparently changes this policy when a customer takes advantage of a promotional APR they offer.

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 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Balance : {$7100.00} XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Customer Service UNIVERSITY ACCOUNTING SERVICE , LLC XXXX XXXX XXXX XXXX, WI XXXX Phone : XXXX Fax : XXXX Office Hours : Monday-Friday XXXX to XXXX XXXX  Central Time Email : XXXX XXXX XXXXXXXX I would like to file a complaint on UAS, the loan servicer for XXXX XXXX XXXX XXXX. I have two private student loan accounts with them. 

I have contacted UAS  and XXXX multiple times regarding forbearance, I lost my employment due to covid19 on XXXX of 2020 and I am also XXXX. In the last year and a half I have been given missinformation regarding my account, I have been advised that my loans are in forbearance while reporting to the credit bureaus that I am past due and heavily impacting my credit score and my ability to retain housing and transportation services due to the credit score being incorrect. 

UAS has single-handedly dropped my score over 100 points in the last year. I have filed disputes with the company, credit reporting agencies and UAS is continuing to advise me that my loan is in forbearance while marking my account overdue instead. Each time I contact them there is a different reason why and each time it takes over 3 months to resolve, while they advise me to wait they are also reporting incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/21 I was sent a credit card in my name and someone else name. I never requested a credit card from Citibank. I called Citibank whom ever opened the account has my correct name, address and social security number. They used a different phone number and email. The card was not used and cancelled. As of today I do not know of what else they maybe using my info to obtain. I have contacted credit bureaus, bank and other accounts. I am waiting for Citibank to investigate this. And waiting for a copy of my account information from credit bureau to verify info. I have filed a police report. Contacted Social Security Office. I am not sure what else needs to be done. Any advice will be appreciated. Thanks,

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