vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-03 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This is probably my fourth or fifth time filing this complaint against Experian. They have never failed to respond to my complaint in a timely fashion. But at the same time they never addressed my complaint. In effect what they have done is if you were to ask me what does 2+2 equal  and I answer see the cow jumped over the moon I responded to your question but I certainly didnt answer it. That is exactly what Experian has done for five times. Now for the nature of my complaint. My information had been hacked so I had a lock on my credit. I lost the password so Experian told me it would cost XXXX bucks to get the information to unlock it so I went head with that. They proceeded to charge my credit card about {$43.00} and instead of sending me the information to unlock my account they sent me a credit report. So the next day I called them back and they demanded another {$20.00} for what I have already paid for in the first place. They told me no {$20.00} not unlocking my account. So I now paid {$63.00} about for a {$20.00} bill and had nothing to show for it. This time the information I requested came. That was when the real trouble began. I spent maybe 100 hours on the phone and was threatened by Experian in an attempt to get my money back. When I told them I would dispute the charge with the credit card company is when they threaten me with them taking no action and no longer attempting to work with me to get my money back. So my question is why did they make me go through multiple phone calls and many many hours on the phone to get my {$40.00} back. I have never answered this in the past and I dont suspect they will now but I will keep doing this

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 2020-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: One Source Technology
State: TX

Complaint narrative:
Company " One Source Technology, LLC '' dba " Asurint '' ( Asurint ) requested payment on " one-time fee '' that did not materialize services to Client. Client was informed by Asurint to pay fee using an email online form or Asurint 's legal team would file a claim against Client. Client responded with completed authorization form within due time. Asurint did not process the payment. Rather, after 1 month of not responding, Asurint filed a claim from their legal team to collect more funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: UT

Complaint narrative:
Fair Collections & Out : -XXXX - This is for XXXX XXXX - that was a utility bill that was charged to me the month that they I was moving out and they were never a part of the new program that the apts initiated for the utilities yet I was billed for it.

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 2020-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems
State: NC

Complaint narrative:
I attempted to pay XXXX XXXX XXXX XXXX XXXX the full amount that I owed from an emergency room visit on XX/XX/XXXX, and made monthly payments of XXXX dollars, for 7 months. I received a call in XX/XX/XXXX from a company called Financial Data Systems, telling me that I owed XXXX XXXX XXXX, a company that I never heard of nor authorized service from, a large amount of money, and that that amount was now in the possession of their debt collection agency ( Financial Data Systems ) .I never received an email, letter, or call from XXXX XXXX XXXX telling me what, how much, or why I owed any money, and still do not understand the charge, prior to it being transferred to collections. I also never received or signed any form at XXXX XXXX XXXX XXXX XXXX on or after XX/XX/XXXX authorizing a bill from XXXX XXXX XXXX. The charge from XXXX XXXX is now negatively impacting my credit score as it is in collections, when I never knew about nor authorized the charge. I have had another poor billing situation with XXXX XXXX XXXX XXXX XXXX in XXXX, telling me that I needed to come in for a XXXX XXXX XXXXXXXX in XXXX, and was told by the patient representative at my appointment that my insurance would cover the cost of my visit. To my dismay, the XXXX visit was not at all covered by my insurance and I was not offered any kind of financial assistance or explanation from XXXX XXXX XXXX XXXX XXXX XXXX, and my debt was sent to a company called XXXX, despite trying to resolve my complaint with XXXX XXXX XXXX XXXX XXXX. This hospital system makes erroneous charges and misrepresents when, what, and from whom they are billing for services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I believe that my late father 's home was foreclosed on illegally. After reading that Specialized Loan Services LLC was in violation of Foreclosure rights I would like to have my late father 's file evaluated for foreclosure violations.

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 2020-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XXXX, I received a US Bank Reliacard debit visa I neither applied for or want. I tried several times to call the company and cold not get through their automated call answering service to cancel the card.

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 2020-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On or around XX/XX/XXXX I went to Capital One online to update information including but not limited to annual income and change of phone number, This caused a red flag on behalf of Capitol One and my account was summarily locked and I was unable to access my account online or use the credit card issued. 

I had contacted Capital One in XXXX and again XX/XX/XXXX in an attempt to resolve the issue during these times. In each instance I was denied any resolve due to one unattainable obstacle : 1 ) Capital  One refused to release my account without a photograph of a current " Federal Issued I.D . '' i.e. " Drivers License or State ID ''. The expired State of Michigan ID was not accepted. No other forms of ID were allowed as proof of ID. 

The Following are circumstances to the unrealistic standards that Capital One has set fourth. 

a. Health Issues : On XX/XX/XXXX I was diagnosed with XXXX and shipped to XXXX Hospitals XXXX ward and was later diagnosed with XXXX XXXX. I had spent several months fighting the XXXX and when given the opportunity in XX/XX/XXXX I updated information from banking institutions to household billing. The XXXX and ensuing treatments left me bed bound till this very day. I am unable to travel unless I am transported by stretcher via ambulance for XXXX XXXX related treatments and exams. 

It is my exertion that I am being discriminated against because health issues exclude me from participating in obtaining an ID like a healthy individual. 

b. We are in the middle of a pandemic! Even if I were healthy I find it unlikely that I would be able to obtain a " State ID '' with restrictions on public operated facilities. Moreover, due to Covid 19 the in-home services provided by S.O.S. are suspended. 

Due to this factor alone I would think that a titan like Capital One would implement something that would be acceptable for everyone and not exclude the ill or XXXX. 
In closing I would like to say that I find Capital One 's behavior depressing at best and bigoted at worse. 

I beg you! Help resolve this issue with Capital One. I have not missed one payment since this all began over a year ago. Please help me see a return on my continuing monthly investment. 

Sincerely, XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAVALRY INVESTMENTS, LLC
State: WA

Complaint narrative:
I have been trying to resolve an outstanding debt so that I can get it removed from my credit report and hired an attorney to negotiate the debt for me and they said " We've been informed by the creditor that the file is now closed and non-collectable. They're not taking any offers on the debt. It could be that it just aged to the point that they can no longer do anything with it legally. You may try to dispute the debt with the credit bureau that it appears on. If it's old enough it should " fall off '' the report. '' - My Attorney XXXX XXXX XXXX Nothing has " fallen off '' my credit report and I want it removed from the 3 credit agencies so that I can rebuild my credit. The law firm " XXXX and XXXX '' last represented the debt for Calvary Portfolio Services '' and that is who told the attorney that it is closed and non- collectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc.
State: AL

Complaint narrative:
American Financial Network continues to send me solicitations for mortgage loans, although I am on the do not contact list. This company has been warned before and continues to contact me. They mislead potential customers by claiming VA eligibility, although they are not affiliated with the VA in any way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Starting on XXXX there were several fraudlent transactions on my regions debt card the whole scam cost almost XXXX being owed to the bank

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 2020-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My Bank Account wont let me move money to my Fidelity account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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:
Asked XXXX and Transunion to make sure everything was reporting compliantly because I seen that things were not the same across all 3 and I also seen something in collections that I never got notification about from credence. Also I never received responses with updated credit reports

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 2020-08-03 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: Kriya Capital, LLC
State: IL

Complaint narrative:
Asked XXXX and XXXX to make sure everything was reporting compliantly because I seen that things were not the same across all 3 and I also seen something in collections that I never got notification about from credence. Also I never received responses with updated credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
Hello and good evening! I was shocked when I reviewed my credit report and found that you still reporting that alleged XXXX collection under my credit report. I've contacted both the Convergent Outsourcing collection company and the original creditor and sent them several letters demanding proof of this so-called debt that I owed them. I keep getting pre-printed templates with the transaction of the calls, but not the documents that i've asked for. Again, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was notified by the credit reporting agency that I was over my credit card limit by {$650.00} and I hadn't used my card. I called because I thought there was fraud on my card. I was told that my deferred interest was added but I was never notified prior to this happening. I immediately paid the interest and was reassured by customer service that it was an error and my credit would be fine. I pulled my XXXX XXXX and XXXX   reports and it all shows that I went over my credit limit by {$610.00} which is incorrect. They are in violation of the FCRA and I want my credit limit and highest balance to show {$3000.00} like it is supposed to not that my highest balance was {$3600.00}.

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 2020-08-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP
State: TX

Complaint narrative:
My card got locked for " security purposes '' when I tried to transfer money to my bank account in the beginning of XX/XX/2020. I called to resolve the problem and they said they needed ID verification and gave me a number to fax it to and my card ID to identify my account. I sent it twice after seeing my account was still locked after almost 2 weeks. I called back again and they said they would request to find the fax. I gave them the time and date of when I sent the last fax which I believe was on XX/XX/2020. They said it would take around 5 days to retrieve it and unlock my account. I called back a week after and my account was still locked. When I asked again what else I could do, they hung up on me. Almost every time I called I waited from 35-50 minutes for an answer and some of the times, it sounded like someone hung up before even answering after around 40 minutes. I wrote a letter possibly 3-5 weeks ago explaining the issue and asking for it to be fixed along with the confirmation paper of my last fax in XX/XX/XXXX that showed the picture of my ID, yet my card is still unlocked. I called earlier and was on the line for 44 minutes waiting for an answer just to have the call disconnected as if someone hung up again, when answering. This problem has been going on too long and I don't find any other solution. Attached is a picture of my drivers license.

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 2020-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On two occasions ( XX/XX/2020 and XX/XX/2020 ) my daughter sent me {$150.00} and then {$2000.00} thru Cash app. Neither were deposited in my account. Contacted cash app thru XXXX. They responded by saying " On Tue, XX/XX/2020 at XXXX XXXX Cash App Support XXXX wrote : Good morning XXXX, XXXX here with Cash App, I do apologize for the delay. I'll be taking over your case for XXXX and want to help explain the best steps to take from here. 

At this time, our payment operations team was unable to reverse the deposit. As a next step, weve attached a document confirming your {$2000.00} payment was successfully deposited to the bank account ending in XXXX. 

Please provide this to the ACH department at the bank to locate the funds. All financial institutions, including this bank, use the ACH network to move payments to and from bank accounts. The trace information provided includes a Recipient ID and Trace Number that the ACH department must use to locate these funds. 

If the bank states that the deposit was reversed back to Cash App, please ask them to provide the transaction details on a bank letterhead. 

If any additional needs come up, please let me know. I'm always here to help how I can. 

Warmest Regards, XXXX Cash App Support. 

I went to bank and got confirmation my funds were deposited so asked Cash app for the official dispute policy and have not heard back. ( My e-mail to them : XX/XX/2020, XXXX XXXX ( 3 days ago ) to Cash, me I did supply this to my back and they did not receive. 

I am attaching a copy of my statement showing no deposit was made for this {$2000.00} and the other {$150.00} in question. The account number is right so it looks like something happened from your end when you sent. 

We are going in circles here, please send me the official easy to complete a dispute thru Cash app. '' I have attached the details from Cash app with the ACH details. etc., and a copy of my bank statement. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
Portfolio Recovery Associate LLC Served to me a Lawsuit XX/XX/XXXX with someone to knocked on my door I tried to negotiate whit the PRA and they have refused PRA have a legal representative XXXX XXXX XXXX that physical address is false ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Or XXXX ) and the phone number not answer anyone. 
I think they have tried to intimidate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: NY

Complaint narrative:
I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

I have accounts such as XXXX, inquires from banks that i did not authorize etc. Hope to hear from somebody soon so that we can get this under control and figured out. Thanks in advance.

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