vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-30 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I tried to withdraw {$300.00} from my XXXX XXXX ( Payfare ) account from an XXXX ATM, while the transaction was processing their was a malfunction and the unit shut down. Although no cash was dispensed, the funds were withdrawn from my XXXX XXXX-Payfare account. 

I immediately contacted the ATM Provider ( XXXX ) and they confirmed that no cash was dispensed, yet the funds were withdrawn from my account. They stated that the refund process had to be initiated by XXXX XXXX and that XXXX XXXX ( Payfare ) should reference the XXXX Case Number XXXX. 

XXXX assured me that they would not dispute this and their system records show that no cash was dispensed and the funds were withdrawn from my account. 

The problem started with the XXXX XXXX-Payfare customer service group ( offshore ). I engaged XXXX XXXX ( XXXX ). The requested a summary of the event which I emailed them 7 minutes later at XXXX XXXX. This started an endless an endless email and voice campaign which provided no resolution, they kept stating it may take up to 60 days to complete. On XX/XX/XXXX they sent me a form to complete that I had to return it immediately or my case would be closed. When I tried to communicate with them on the XXXX my email was rejected because the case was closed Today I spent 30 minutes on the phone and I askerd them why did it take 17 days to send me the form, they stated the pandemic. I stated that I was truly ill ( recently detected XXXX  XXXX ). The operator stated that they did not want to receive any further documentation from me, but they will consider re-opening my case. 

This action could have been resolved within 24 hours-XXXX  stated repeatedly there is no dispute, your card provider just needs to request a refund using the case number that you provider ( XXXX ). 

Payfare has made it impossible to contact anyone domestically, all must go through the offshore call center which can not grasp the problem. 

I am a senior citizen, a XXXX  veteran and I really need your help to escalate this case where there is NO DISPUTE, the ATM provider states they will refund the monies owed me, but it can only do so through the card provider, Payfare. 

All pertinent documents are in a single document that I have attached. 

Thank you in advance, XXXX XXXX All

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MA

Complaint narrative:
Hi Unknown COLLECTION IC SYSTEM-acct # XXXX for {$410.00}???!!! ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 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. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics 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 2021-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XX/XX/2018 XXXX This debt is fraudulent and is in violation of 15 usc 1692g and I do not validate this debt.

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 2021-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: California Business Bureau, Inc.

Complaint narrative:
We received a summons for a medical debt but never received a phone call or any letters in the mail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Account Name : TD BANK USA/TARGETCRED Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On approximately XX/XX/XXXX I was involved in a motor vehicle accident and the vehicle was deemed a total loss. My insurance carrier, XXXX sent a payment to Chase in the amount of {$8800.00}. The check was cashed and applied to my account on XX/XX/XXXX. Unfortunately GAP, which in NY state is required by law deemed the vehicle under valued and requested a valuation and breakdown of the vehicle. That was sent on XX/XX/XXXX to Chase and forwarded to the GAP supervisor, named XXXX. He was forwarded this information XX/XX/XXXX and on XX/XX/XXXX. He has yet to review the paperwork and approve the settlement so the case can be closed. I am still making payments on the loan and at this point I am due a refund. This mva occurred in XXXX and we are a few days shy of XXXX. A quick resolution is imperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: PA

Complaint narrative:
I have filed a dispute regarding the incorrect items on my credit report it has been over thirty days and I haven't received my investigation results. 
On these accounts are the following companies : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ( XXXX XXXX XXXX  ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have filed a dispute regarding the incorrect items on my credit report it has been over thirty days and I haven't received my investigation results.

On these accounts are the following companies : XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2021-07-30 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: MoneyLion Inc.
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: IL

Complaint narrative:
On XX/XX/2021 XXXX XXXX received a Cease and Deist by certified mail. Attached is the proof of delivery, cease and desist and invoice. XXXX XXXX is to cease and desist all forms of communication with me through all mediums. A consumer report is in fact a medium. And by reporting the account it is a indirect communication. By not deleting my account from all credit reports, XXXX XXXX is in direct violation of my Cease and Desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2021 XXXX XXXX received a Cease and Deist by certified mail. Attached is the proof of delivery, cease and desist and invoice. XXXX XXXX is to cease and desist all forms of communication with me through all mediums. A consumer report is in fact a medium. And by reporting the account it is a indirect communication. By not deleting my account from all credit reports, XXXX XXXX is in direct violation of my Cease and Desist.

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 2021-07-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX XXXX I contacted EXPERIAN XXXX & other companies displaying on my credit report TO DISPUTE ITEMS OFF MY CREDIT REPORT DUE TO FRAUD THEY HAD 30 -45 days to remove any negative items they did not they continued to report fraudulent information on my credit report including DEBT, inquiries that I did not consent of I then contacted them certified mail to remove all inquiries and items from my credit report ASAP sent all documentation to prove my identity they did not remove items at all this is unacceptable my concern is to remove all negative debt items and in consent inquiries off my credit report ASAP

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 2021-07-30 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: VA

Complaint narrative:
Hello, my name is XXXX XXXX I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Lowes stated " see if you're pre-qualified with no impact to your credit score. '' I submitted my info and within about 3 seconds I got an alert that my credit score dropped 3 points. They're lying to people! See attached screenshots.

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 2021-07-30 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I did nice balance transfer offer w/ Citi about yr ago.

A few months back, was mailed limited offer of 5 % rebate on car rental/gas/hotels ending XX/XX/XXXX. While activating asked on phone if changed my 0 % rate -- No.

I bought gas a week ago, saw interest charge ( no normal pay by/due date? ) -- so used chat. Maddening. I must pay it off NOW to avoid interest. I will close the card once payment goes through. Very dishonest, maybe just inept. CROOKED.

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 2021-07-30 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Did not consent to the following lenders pulling my credit report : XXXX XXXX Inquiry Date : XX/XX/2021 XXXX/XXXX  XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX  Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX XXXX XXXX C/O XXXX Inquiry Date : XX/XX/2021 XXXX XXXX Inquiry Date : XX/XX/2021

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 2021-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XX/XX/2021 FIRST CLASS MAIL Capital One Attn : Mr. XXXX XXXX, Chairman & CEO XXXX. XXXX  XXXX XXXX XXXX XXXX, UT XXXX RE : Capital One Credit Card Account for XXXX XXXX XXXX XXXX Account Ending XXXX Dear Mr. XXXX, I am writing to you to express my dissatisfaction with my Capital One Credit Card account. I have submitted 2 letters to your company in XXXX and my inquiries have went unanswered. Furthermore, a {$77.00} refund credit has been withheld from your company, because I decided to pay the account balance in full on XX/XX/2021 from my XXXX XXXX XXXX XXXX Checking account, in the amount of {$1100.00}, so your Capital One Customer Service Agent on XX/XX/2021, stated the payment was a large amount, and the payments from some customers are much smaller, therefore we suspected fraudulent activity., despite the fact the payment was posted 29 days ago. Therefore, my account has been placed in a restrictive status. Capital One is seeking access to my personal banking account, so the refund is being withheld. 

In the past my previous Capital One Credit Card account was covered under the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C Section 3901-4043 with no issues. The restrictive status limits my lending opportunities with Capital One Credit Card and has a negative impact on my credit report pursuant to the Federal Credit Reporting Act ( FCRA ). 

Please refund any credits by check on my account to my attention and ensure my account has not been placed in an unfavorable status. If you have any questions, please do not hesitate to contact me directly pertaining to this matter. A copy of this letter will be emailed to your attention at XXXX to further assist me with my inquiry. Thank you for your assistance concerning this matter. 

Sincerely, //SIGNED// XXXX XXXX XXXX XXXX cc : Consumer Financial Protection Bureau , XXXX . XXXX XXXX XXXX, Iowa XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I was given an auto contract that did not included the finance charge pursuant to 15 usc 1605. Bank of America has been sending me statements with attempts to coerce me to make payments, which is a violation of 15 USC 1692j and 15 USC 1692e. they also did not include my rights to rescission. pursuant to 15 USC 1635.

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 2021-07-30 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
There seems to be an American Express account open in my name or a similar name to mine, and I, on the other hand, never make a late payment. I always have paid my debts, and times I do not have any cards that I was late, so this is ridiculous to let this go that far. Plus, I never opened her American Express. Its not my account, and I do believe that this account belongs to my former roommate, XXXX XXXX XXXX, who either used my name when he opened it or just added me as a co-signer. It seems like the credit card was open in XXXX or XX/XX/2020, and its got defaulted, and XXXX or XXXX, and the credit limit shows XXXX, but the balance shows almost {$6000.00}. Would you please help me to take it off my credit report? I did try contacting credit report and agency XXXX, and they twice to do told me that its going to stay the way it is, which is ridiculous. Would you please help me? Im just trying my best to live in these challenging times without any problems, and I dont need this in my life right now. Would you please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Did not consent to the following lenders pulling my credit report : XXXX XXXX Inquiry Date : XX/XX/2021 XXXX XXXXXXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/20XXXX XXXX XXXX Inquiry Date : XX/XX/2021

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