vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-09 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: FL

Complaint narrative:
On XX/XX/19, I received a text alert from Capital One Bank, asking me if I had made ( 3 ) transactions at ( 2 ) XXXX XXXX XXXX. I replied " NON '' to the text. 

Then I noticed that on XX/XX/19 the charges from those transactions, appeared on my credit card account. I called Capital One, and asked them if they had disputed the charges with the merchant ( XXXX XXXX ), they claim that they did. And advised me that the card has a chip in it, and was present at the time of the transactions. Will I find that very hard to believe, because the card was in my possession, on that date XX/XX/19. Unless someone was able to get a card mailed to them at a different address. 

The XXXX XXXX XXXX, I called, and requested they check their camera video, and see it it was me, making the purchases on XX/XX/19. But the manager told me that XXXX XXXX Corporate office would have to give the ok, for them to do so. I am sending a request for such in writing to the main office, see what come of that. 
Stores where purchases were made : XXXX XXXX  # XXXX Amounts of Purchases ( 2 at $ XXXXea ) XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX XXXX XXXX # XXXX Amount of Purchase {$500.00} XXXX XXXX XXXX XXXX XXXX , FL XXXX Phone : XXXX I am disappointed in Capital One that hey should ask me to pay, for these charges, being a long time customer, I have never before disputed charges made on my credit card, why would I start now, reason would be that I did not make these charges. I should not be made to pay. for someone else 's fraud. 
Any assistance you can offer it would be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-09 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:
I've been trying to get XXXX and TransUnion to remove this account on my credit report that's not mine. Please assist me, thank you.

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 2019-08-09 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: TN

Complaint narrative:
On XX/XX/2019 I sent a letter to Equifax asking them send me documents that the company uses to verified accounts listed on my credit report per the Fair Credit Act, 15 U.S.C. 1681g. In response to my letter, I was sent a letter on XX/XX/2019 stating that my account was not found and to send verification such an ID SS card or a bill. This letter was an attempt to stop me for receiving and documents that I was entitled to, due to the fact that my credit account was updated the month prior for my name and address and my ID with my SS Card was included. I called the company on XX/XX/XXXX or XX/XX/XXXX after receiving the letter. My account was verified at the beginning of the call. Next I gave the representative the reference number that was given to me by the company verifying that the company had updated my account on XX/XX/2019, with this previous dispute I sent along with a photo ID an SS Card. At this point I have verified that my account x2. I was told after verifying my account that I will have to send my identification again. I spoke to the manager that comfirmed for the 3rd time that they do have my account, a copy of my ID and SS card and still need this information to find my account. I stated to the rep that you have my indentification on file, in which he agreed that that my identification was on file but stated I still needed to send this information an that it is policy for the company. I requested that in writing and was told there is nothing in writing. After the conversation and as of today I did not receive a report status, documentations verifyiing my account, nor the policy stating I had to send my identification after my account was verified. It has been well over 60 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC
State: FL

Complaint narrative:
XX/XX/19 direct recovery services texed my phone, my sister phone and my brother in laws phone. This same company has placed calls and left messages stating they are serving me with papers on all 3 phones 2 months prior to this text today. 
they have been told to cease and desist at least 3 times. this company keeps non stop harras this is absolutely harassment and illegal to call or text relatives. 
they sent the message t call XXXX or log onto XXXX XXXX XXXX XXXX.do? customer ID+direct or use XXXX reply stop. 

how is it legal to contact someone who is not responsible for a supposed debt and the debt was paid to the creditor and should have never been sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MD

Complaint narrative:
Failed refund transaction from CashApp. On Sunday, XX/XX/2019, I received {$140.00} using the mobile Cash app transfer and within one hour I refunded the same {$140.00} to the person I received it from. Although the app sent me a refunded receipt the transaction has not been completed she has not received the refunded amount of {$140.00}. 

I contacted Cashapp through the customer service email several times within this week and have not received a response from them or completed transaction. There is no way to speak with a representative on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Thrift Investment Corp.
State: DE

Complaint narrative:
i had a car loan with thrift investment in 2014 the car was deemed a total lost the car was damaged beyound repairs in an accident the insurance company sent a check for XXXX to the balance of XXXX and i was charged off the balance because the dealership didn't place me with the gap insurance i had no knowledge of no gap or any balance owed nor was i able to dispute or validate the debt prior to being charger off to my credit report once placed on my report i have made many attempts to remove the debt and or work it out with thrift with no success

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: CT

Complaint narrative:
Ive received the response to my dispute with Experian regarding their satisfying the Method of Verification requirement as per the FCRA. I appreciate that they felt the need to give a general discussion of their process of which I am well aware but have in no way stated how the satisfied the law in this case, nor have they provided the requested specifics of how they allegedly verified this information. 
The FCRA is a law that was created to protect the consumer. What is the point in having laws if theyre not going to be followed? FCRA Section 611 ( a ) ( 6 ) and ( 7 ) provides for the method of Verification and the fifteen day allotment passed with none of the requested data that was my right to ask for, who was contacted at these companies to verify the data, what documentation was used, etc. Otherwise anyone working there, even the janitor can say something was verified, if the company was even contacted to verify. When damaging information is placed on ones credit file, one has a right to ask for specifics! XXXX XXXX   can say this data is verified and accurate within the 30 day timeframe but in my dispute against them directly with the CFPB, theyve taken almost two months to verify without result yet? 
I am aware that Experian has various procedures in place to attempt to ensure their files accurate. What I need here and demand within my rights are the specific process used on this instance! The person contacted at each company! The documentation that they used to claim verification! I dont need to know general procedures. The timeframe has passed to fulfill the FCRA on this issue. Either specific details on who was contacted and what documentation was provided must be provided or the accounts in question, two XXXX, one XXXX XXXX and one XXXX XXXX, must be delete from my file.

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 2019-08-09 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: IL

Complaint narrative:
I've been trying to get Experian and XXXX to remove this account on my credit report that's not mine. Please assist me, thank you.

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 2019-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION
State: MD

Complaint narrative:
On XX/XX/2019 my vehicle was involved in an accident and was a total loss. My insurance company paid out the market value of my vehicle to Regional Acceptance Corporation ( RAC ), an affiliate of BB & T, which financed my vehicle. I also have GAP Coverage through XXXX XXXX which would take care of the remaining balance on the vehicle. I initially sent RAC a Lienholder/Lessor report of total loss on XX/XX/19, that they were to complete and return to XXXX XXXX so they could process and pay out on the claim. They failed to return the form. I placed multiple phone calls to RAC to see what the hold up was from XX/XX/XXXX through XX/XX/XXXX. Nobody was able to give me an answer. I left multiple messages and emails for the claims department, and never received a return call or email. On XX/XX/2019 I received a letter form XXXX XXXX indicating they still had not received the requested information from RAC, and they would close and deny the claim after 30 days from the date on the letter. I again reached out to RAC via email and phone to address the situation, and resubmitted the form again for them to complete. After the threat of non-payment one of the reps sent a priority email to someone in upper management, and they finally filled out and completed the form at the end of XX/XX/XXXX. The last step is RAC notifying XXXX XXXX that the warranty on my car was refunded, which they have yet to do. At this point, XXXX as denied the claim, but indicated that they would re-open and pay the claim once they receive this verification. During this time RAC continued to bill me for the remaining balance and in XX/XX/XXXX reported to the Credit Bureaus that I had not made any payments. I discussed the situation may times with them, indicating that the balance would have been paid and taken care of by XXXX XXXX, but has not been due to their own negligence and lack of timeliness. I simply asked that they put a hold or pause on the account until it is settled. They know I have the GAP coverage and that they will be paid, and any difference I would settle with them. Before this I had no missed payments with RAC. The only reason this has gone on as long as it has, is because they didn't do what they were supposed to on their end. This has been going on sinceXX/XX/XXXX of this year, and its almost XX/XX/XXXX. The process  normally takes less than 30 days. However, their reporting has had a severe and negative effect on my credit score and my ability to obtain financing currently and in the future. I am attaching the correspondence I had with RAC and documentation from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
XXXX XXXX  made two unauthorized charges to my checking account {$65.00} each for a total of {$130.00}. I called XXXX XXXX and was told that they refunded the {$130.00} that same morning. When I tried to call Bank of America about the unauthorized charge they told me the charge was still processing along with eight other changes. Bank of America told me I can not dispute the charges or retrieve the charge until it finish processing. The next day all the other eight charges finished processed EXCEPT the {$130.00} charge for XXXX XXXX. I called Bank of America and asked the representative why havent this charge process and all the other charges are completely processed which makes me think Bank of Americas is discriminating against me and holding that unauthorized charge in limbo so that  I can not dispute the charge and retrieve my money back in a timely fashion. Bank of America is trying to keep my money held up for 3 to 7 business days for a charge I did not authorize. I think Bank of America is withholding my funds due to XXXX discrimination practices that is integrated into their banking network.

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 2019-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I have submitted multiple disputes to this company to validate my debt. Every time i submit a dispute it comes back as verified but not with the supporting documents. I have used different methods to stop the illegal reporting of this account to the bureaus.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Eagle Recovery Associates, Inc.
State: IL

Complaint narrative:
On XX/XX/19 around XXXX a collector for Eagle Recovery attempted to call my wife at work. She then called the number back and the company continued to talk to her about a medical debt in my name which I had not given them authorization to talk to her about. She told him that I would not have given them her work number, as I do not know it, and that she was not allowed to receive outside calls at work. He continued to talk to her about my medical debt, some of which was even incurred prior to our marriage. Within a week, I went and made a small payment at their physical location and advised we would make payments as our budget allowed. The collector that had previously called her spoke with me the following day advising that I had not made a large enough payment. I again told them that we would make payments as our budget allows. 

On XX/XX/19 at XXXX XXXX the collector called my wife 's cell phone and left a message to return his call. She returned the call. He did nothing to verify her identity. She told him I hadn't given him authorization to talk to her ( my wife ) and he said he didn't need that. He then said he'd called and left several messages for me, which I recall receiving one message that was left when I was not available to answer the phone. She told him that she is XXXX and has an XXXX  disorder and she couldn't talk to him for medical reasons. He continued to try and keep her on the phone. She again told him he did not have authorization to talk to her about my medical debt. The collector also told her she had agreed to make payments on a specific schedule, which neither of us have agreed to, it was only discussed. She reminded him that the last time I spoke to him about the debt I had advised we would make payments as we are able to. When she continued to try and end the call due to her increasing XXXX and having been advised by her doctor to avoid added XXXX  during her XXXX, he continued to try and speak to her, again without my permission. She ended up disconnecting the call as he stated he would notate their discussion and that we still owe the debt. I am not disputing the debt, I am well aware I owe this money for medical services provided.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-09 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: CA

Complaint narrative:
I had a credit card with XXXX XXXX. No issues from them or myself from XX/XX/XXXX to XX/XX/XXXX. I authorized a payment. That payment was taken 2 times instead of 1. I contacted their customer service 3 times without success. They out source. The answers l was getting were not making any sense. So l called my bank explain the situation. They confirmed should not happen. They took my payment back. I went about doing what l have done in the past. Come time to make a payment. I had no access to the app or online. I called customer service they said l need to send a letter to my bank not holding them at fault. I said why? you were at fault. They said I have no access unless i provide the letter. I said ok.. I close the account. I made account payments that same conversation. I did what l normally do. Went about a month and just before payment time. I get a notice my account was a charge off for not making payments. I called customer service and they said my account is turned over to collections. I said what??? They had bogus reasons, all not true. I asked to be moved to that Dept. I went over my payments and they were confirmed by them its in their records. So i asked why the Charge off. They said i need to contact fraud Dept. I have left 5 messages never a call back. Or a pdf copy of my account requested since no longer having online access. I called my credit reporter Experian disputed and was given a response all accurate. I went back to my credit report and saw many changes they did to fraudulently provide misleading history. They lied, they have gone in to falsify documents and state inaccurate info about. They are lying, they have been fraudulent, They have produced slanderous statements. They were using extortion to bully me. I need help. They are bullying me and destroying my credit. With lies and slander. I am providing My bank history with balances and confirmation of payments made on time. I am have pictures of credit reporting before and after they falsely adjusted to mislead. If I need to go federal authorities I surely will. The only negative I have in my XXXX years was my son was hurt in a MVA. I had to provide care and pay his hospital bills. I thought about bankruptcy. But decided against it and dismissed without going before the court. I have all bills as shown in credit report on time every time for my XXXX years.

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 2019-08-09 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: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a secured credit card three years ago. Since then the company has increased the limit of my " secured '' credit card to {$5000.00} from {$500.00}. {$500.00} was the deposit that i had made to open my secured credit card. When i ask for the XXXX $ back, the company refuses to give it back citing that it is a secured product and is unwilling to upgrade me to a unsecured card despite having a very good credit history and great credit score.  They say they have no process to upgrade and the customer can't ask for an upgrade. My XXXX $ deposit is sitting locked up without me being able to earn any interest on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/19 chase crashed my personal recurring check. On XX/XX/19 they bounced the check. I called and went I to rectify.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One is refusing to remove a late payment on my credit card. After seeing them all over the news, I am sure that my payment wasn't applied because of the breach. This is not fair that I have had this card for years with no late payments and now they report me 30 days late in XX/XX/2019? How is that possible? I already filed a complaint with XXXX XXXX XXXX and now I am coming to the CFPB because I have never had a late payment on my account or any other accounts and now this is going to affect my credit severely. Then after my complaint to the XXXX they changed my late payment to XX/XX/2019 which proves my point that their records are all over the place and their breach is affecting my credit. My next step is to contact the attorney general or attorney to see what they can do to help me.

Company response to consumer: Closed with explanation