vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is WELL AWARE that I am a victim of identity theft. It is obvious that this company is NOT concerned about violating my consumer rights by reporting incorrect information. The following accounts are not only frivolous and fraudulent accounts, but Equifax continues to IILLEGALLY report them as if the information is correct : 1. XXXX XXXX XXXX  XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX, XXXX # # # # # # XXXX The following inquiries are also fraudulent, not authorized by me, and being reported. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
CCS USA listed an incorrect creditor or payee, and I hope this is paid properly as of today. 

XX/XX/XXXX is which I was to be paying. 6 months, I was following payment plan procedures and I thought the CCS people were fraudulently trying to collect a closed debt from XXXX XXXX XXXX, as I only knew inform to be the payee/creditor, so I disputed the mismatching information and also contacted inform XXXX directly to pay, who has not gotten back to me after saying someone will call me back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
This complaint is regarding the Citi XXXX XXXX rewards card ( gold ). It was an absolute mess from the beginning. I applied for the XXXX application bonus and recieved XXXX. Had to call in and then recieved an adjustment for an additonal XXXX. This adjustment is shown in my XX/XX/XXXX statement. 

I then create my XXXX account and find out i have XXXX points. I call XXXX and they told me they do not see any points on the account so they can not do anything. Fair enough, i can see SOME of my points on the citi side. 


So i call the citi number, tell me to call XXXX. I go back and forth TEN TIMES. Going through automated services. Each side pointing fingers at each other. 

I recieve a ticket ID # to give to Citi support so they know of the situation. Support has 0 clue what this ID number is. What is the point of my previous support creating a ticket and documenting my situation. I don't even know if he did. 

I can see I got XXXX points from my statements, which was my adjustment. Citi denies seeing points until i point out that fact. They give me a number that seems to be a hotel support line as the automated line asks for an itinerary number and can not move forward. 

Support told me they can see the XXXX points on their account. But can not see if any were spent or removed. Why? What is the point of support having access to +balances and not -balances? That makes absolute no sense. 

At this point i am stuck. XXXX will stick with seeing XXXX points. As i've called them 5 times. Citi refuses to investigate further. And directs me to a number that doesn't work. 

Absolute XXXX poor customer service with Citi. I will no longer do business with Citi and XXXX in the future. There seems to be a gap in documenting each customer services interaction. As each customer service i talked to had 0 knowledge of my situation. I have spent over 20 hours trying to get this figured out. And at this point it's not worth my time. I'll eat my {$95.00} and hit on my credit score and take it as a lesson to not do business with XXXX and Citi. 

Timeline : XX/XX/XXXX - Apply for XXXX XXXX XX/XX/XXXX - Recieve XXXX XX/XX/XXXX - Recieve additional XXXX XX/XX/XXXX - Call XXXX/Citi about points XX/XX/XXXX - Close Card, no resolution

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 2021-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: GA

Complaint narrative:
On at least four separate occasions between XXXX and early XXXX, I have requested ERC provide proof that they are legally allowed to collect this debt. I have yet to receive any documentation from ERC, yet they have continued to report this collection account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
In XXXX of 2020 I was laid off from my position due to Covid19. I have a small car loan with Toyota Financial, and they agreed to a forbearance program for the months of XXXX through XXXX. When the 3 months expired, I called and asked them for an extension, in which they agreed to. They stated that I had to sign a new agreement form and send it back to them. Upon receiving the new form, I signed it and sent it back immediately. I did not hear anything more from them so I did not make my XXXX and XXXX payments. At the beginning of XXXX I received a phone call from Toyota Financial 's collection department stating that I was behind on my payments. I explained that I had an agreement that I would not have to make the payments for the months that they claimed I was delinquent, and they stated that they did not received my signed form back so they did not put the agreement through. I never received any notice up until this point that they had not received the form, or that any payment was being considered late. I asked the girl if I should pay something in order to not have my credit effected, and she stated that she was going to send a new form and as long as I signed it and sent it back that I would be fine. I did so immediately. A week later, I received a notice fromXX/XX/XXXX XXXX whom I have a monthly monitoring service with ) that Toyota Financial had reported a 30 and 60 day late on my credit report for the months of XXXX and XX/XX/2020. I immediately called them and they claimed that there was nothing that they could do. I filed a dispute with all major credit reporting companies and the results came back that they took the 30 day off for XX/XX/2020, and kept the XXXX delinquency on my report, changing it to a 30 day late. I have now re-disputed my case with all credit agencies 3 times, providing the documents from Toyota Financial that prove I was not to make my payment for that month. The results continue to come back the same, Toyota Financial refuses to remove this from my credit report. I have also contacted Toyota Financial numerous times only to be told that they will not help me. I am XXXX years old and have never in my life had a single late payment. My credit has dropped 100 points due to this and I am hoping that someone can help me to get this removed from my credit like it should have been from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was a victim of fraudulent charges placed on my credit card becuase of a stolen card number. I have reported this to the company and have recieved a new card with a new number, however, the card that I recieved has a contactless NFC chip installed. Using a cell phone with NFC capabilites, I had no problem getting the phone to read the card number, expiration date and CVV code. This is a very insecure sustem and I do not want this card since the information can just be stolen again. When I call in to request a new card, I am told that there is nothing that can be done and that I can not get a card the does not have this insecure feature disabled or removed. Since this is how the fraud on my account occured before I no longer trust this company since there is no way to opt out or ask for a card without this feature and there is no zero fraud liability and I am being asked to pay for the unathorized charges on this card. With this company, you are guily until proven innocent -- with the fraud department constantly siding with the merchants by not allowing customers to prove their side and rebilling those charges several months into the future, hoping the customer won't notice ; and even if they do, customer service will do nothing to remove those charges. While I can defeat this feature by wrapping the card in foil, one the card is removed from that foil to be used at a cash register, the card becomes vonerable again. I do not truse this technology, and will not fall for the lies of thier zero fraud liability claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: NC

Complaint narrative:
I have reached out to Experian on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' the collection account XXXX  Acct # XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also for them to identify the company they are using to erroneously verify incorrect reporting. Experian has misled and deceitfully reported information that they have not properly investigated or has purposefully not been forthcoming with their inability to produce accurate paperwork detailing account information. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. Experian refusal to supply this information yet still report false information has harmed my credit and therefore makes their actions illegal. 

I demand that Experian cease reporting this false information. This is my fourth and final attempt to have this false information removed from my credit file. I attend to take legal action under the protection of Fair Reporting Credit ACT

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 2021-01-02 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: MA

Complaint narrative:
On XXXX XXXX I inadvertently sent {$100.00} to an incorrect person. I immediately notified Capital One bank of my error. I was told until the transaction posted, there was nothing they could do. The rep then told me I would be getting a letter in the mail within 7-10 days and to fill it out and return it immediately. It is now XX/XX/XXXX and I am still waiting for said letter. I received a generic letter on XX/XX/XXXX stating that the merchant provided no cancelation of transaction. As stated I tried via Capital One to do so but they failed to provide the service. I tried to contact the merchant/person and I got a response in XXXX. Needless to say I have no idea what it said. How Capital One contacted the merchant/person and got a coherent response in XXXX is far fetched at best. I received NO SERVICES OR PRODUCTS from said merchant/person. Upon contacting Capital One, they could not provide me with an answer as to how they came to their generic conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: IN

Complaint narrative:
To whom it may concern, this is the third complaint filed for said issue of unauthorized charges on my Discover Bank Checking Account. Ive tried contacting XXXX XXXX who has reponded previously I have tried reaching out to her on XX/XX/20 about the unauthorized transactions from XXXX and XXXX. and have left a voicemail with no response. I have requested proof of these transaction to prove they are valid as their investigation has claimed. No response from discover was provided in the last response other then the corresponding chats they have had with the merchants. I have received my refund from XXXX on XX/XX/20 for my purchase that was made on XX/XX/20 in the amount of {$190.00} then another transaction appeared on XX/XX/20 for that same amount discover has advised me XXXX took back their credit for returning the wrong item or some nonsense. This transaction was NOT AUTHORIZED. the refund was already completed and processed for that purchase. A NEW transaction appeared on XX/XX/20. another transaction that has been previously disputed with discover with XXXX for merchandise that has been returned, XXXX did not refund for this purchase. discover not willing to provide resolution for this. there are 2 other transactions in the amount of {$230.00} and {$140.00} that also were not authorized for XXXX witch I do not use. discover has claimed transactions are authorized because merchandise was received and matched my information this orders were not authorized or made by me. Discover is claming regulation E does not cover Merchandise Not Received. However The transactions were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp.
State: MA

Complaint narrative:
I am requesting validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I am requesting Validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay TrueAccord credit collector.

I also request TrueAcoord a formal notice that your claims are disputed and cease communicating with me.

TrueAcoord is sent an email several times after I request the cease all communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: NC

Complaint narrative:
I have reached out to Equifax on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' the collection account XXXX XXXX XXXX Acct # XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also for them to identify the company they are using to erroneously verify incorrect reporting. Equifax has misled and deceitfully reported information that they have not properly investigated or has purposefully not been forthcoming with their inability to produce accurate paperwork detailing account information. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. Equifax refusal to supply this information yet still report false information has harmed my credit and therefore makes their actions illegal.

I demand that Equifax cease reporting this false information. This is my fourth and final attempt to have this false information removed from my credit file. I attend to take legal action under the protection of Fair Reporting Credit ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I transferred money out of my Venmo account balance to my checking account. What I thought would be a very easy process as the service is advertised as an easy way to send money. The next day I received an email stating that my account was restricted due to recent activity that triggered some security alerts. I contacted Venmo to fix this and they advised that it would take 15 BUSINESS DAYS so at least 3 WEEKS for someone to contact me back to even begin the process of fixing this error that Venmo has made. The money I transferred out was to pay my mortgage. Needless to say, I can not tell my mortgage company they will have to wait at least 3 weeks to get their money, so how is it okay for Venmo to say the same thing to me? It's not and it's despicable that action is not taken against these corporations for these horrible practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX between the hours of XXXX XXXX PST. I called Capital one customer service due an unexpected balance of {$43.00} appeared in my account posted since XXXX XXXX, XXXX. I wasn't expecting this since I already made the full payment on my account for amount of {$3200.00} on XXXX, XXXX. I was expecting that my account XXXX XXXX XXXX XXXX will be at XXXX balance. 
I have ask the CSR to help me out to waive the fee of {$43.00} but declined to do so. The account representative told me that he can not waive the fee and has no means of information or access to waive it. I then asked to be transferred to the account manager who I believe has more access to grant my request. The manager or supervisor verified my account and check my information. For the second time, the manager or supervisor have adamantly told me that he can not do anything to help me to waive the interest fee of {$43.00}. 
Wow, really, seriously, for {$43.00} as a long time customer who is asking for your help to waive this fee has been strongly denied to be help out. I have been patiently paying my debt in Capital one even though Capital one has been charging too much interest fees in my account. I really have to go through of all instead of Capital one thinking of their own benefit, for {$43.00} really, your credibility as supposed to be a " helpful '' credit card company will be published for not helping out a customer like me most especially this hard season of pandemic. 
I then, just requested to the manager/supervisor to close my account, since he doesn't want to waive it. He said that I still need to pay {$43.00} even though the account will be closed, that I will be responsible for it. I said " no '' I will not pay that {$43.00} because I already paid the balance in full. He then declined to close my account. 
Let it be known, that i will not be paying anymore fees/interest to this account since I have already paid the balance in full and Capital one have already collected so much interest and fees in me already. 
All I ask is this should be settled so I can be back in my normal life. This amount of {$43.00} has been stressing me out and should be waive for the sake of helping out your customer. Capital one should extend their hands to more considerate and don't push their costumer to pay more and more.

Company response to consumer: Closed with monetary relief