vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I dont know who this company is i have never done business with them, and its false information that needs to be removed right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: CA

Complaint narrative:
My family and I had a total of 4 credit cards through Capital One. 
One XX/XX/XXXX, we were alerted to a possible on my wife 's credit card for a {$400.00} cash advance. I told Capital One it this was not from her ... .this cash advance was attempted somewhere in NJ - we are in Southern California . 
On XXXX, we were alerted to 2 other possibly fraudulent charges on my card. One was for {$530.00} - XXXX XXXX and the other was {$320.00} - XXXX XXXX. Both in New Jersey. Again, we are in So. Cal and disputed these charges. 
On XXXX we were alerted to ANOTHER possibly fraudulent charge of {$230.00} at XXXX  in NJ. This was on my daughter 's cc. Again, not us. 
XXXX my son 's card was used for {$26.00}, again, not us. 
Capital One supposedly investigated these after our assurance they were not our purchases. My daughter 's and son 's were deemed indeed fraudulent. The original {$400.00} never showed up on a bill. The {$530.00} & {$320.00} on my card were deemed NOT to be fraudulent. Apparently because they said the actual card was used, and this they consider impossible unless OUR card was actually there. I can assure you we were not there. 
We called many times, wrote a letter, asked to speak to supervisors, and were told the case was closed and we were liable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One automatically closed out my saving account due to more than permitted numbers of withdrawals from my account. The bank remitted the remaining balance of {$7100.00} on XX/XX/XXXX to a bank account not confirmed by me. I don't know where the fund is so far. 

I have been calling/emailing Capital One. I also went to the recipient bank 's branch to have them contact Capital One. I didn't see any progress on the issue so far. Each time, different representatives from Capital One gave me different directions/explanations/instructions. The latest status from the bank is that they are still having trouble identifying where the fund is and started reaching out to the recipient bank after 2.5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/2018 XXXX XXXX I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Problem with EQUIFAX, can not get my free annual credit report. Ordered my annual free credit report from Equifax and both other agencies I have done for years, I called XXXX. I thus far received my XXXX  Report on XX/XX/2019 without issue, but EQUIFAX sent me a form letter dated XX/XX/2019 stating " We are unable to locate a credit file for one of the following reasons 1. ) You may not have a current file, or 2. ) You have not applied credit recently or 3. ) You have not actively used credit in the past 10 years '' Following receipt of the letter, I went online at XXXX and I could not get the report there either, said unavailable. 
Of course all of these are false, and being a Federal Government Employee, I currently have my Credit Frozen at each of the agencies, but have active credit cards I use and pay off monthly, and use a PIN for any new Credit Requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The attorneys and their contracted servicer did not ensure that I was served properly. I reached out to XXXX XXXX, XXXX XXXX, XXXX XXXX, & XXXX XXXX via email to discuss this matter. XXXX XXXX was the only one to respond stating, Please be informed, the below-stated attorneys, including myself, do not have any control over the actions of an independent contractor process server. However, I believe they should be held accountable because it is their case and theyre the ones that hired said servicer. The proof of services alleges I was served XXXX home address on XX/XX/19. However, I have not been at my residence since XX/XX/19 due to a medical condition. I am staying with family while I go through treatment. Furthermore, the physical description of me is completely inaccurate I am XXXX XXXX XXXX, XXXX, XXXX XXXX. The proof of service process server filed a proof of service on XX/XX/19 stating that service was effected via personal service to # # # # # # # # # #, Who accepted service, with identity confirmed by subject stating their name, an XXXX male approx. XXXX years of age, XXXX tall, weighing XXXX lbs with XXXX hair.

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 2019-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
On Friday night XX/XX/24 I purchased tickets through a travel agent XXXX XXXX   XXXX  with my cashcard provided by CashApp. This was for XXXX tickets for her entire family as a treat but company flagged it and did not issue tickets. The amount was pre auth but funds did not post. Money is now out of my account and I cant not use. I contacted CashApp became the contacted they released it back and would talk to bank to have the authorization to have payments returned so I can use the funds to purchase elsewhere. This is where things go wrong. CashApp does not have a customer service number do you to contact them. This in itself is crazy in todays world. You have to email them in the app and wait 24 hours for response. A lot can happen in 24 hours. Needless to say they are misleading consumers, taking their money, read the complaints about them online. My merchant wants fo speak to them to Expedite the case but they wont give me a phone number for a even an email for the merchant to reach out to them. Does not seem like they want to help at all. You can only get help within the app but no response for 24 hours of longer. You can XXXX  them and they refer you back to app. How does anyone get anything resolved if there is no customer service. Every other app has a customer service number you can use. This is truly unacceptable. 


Please help the consumers with this as this is not right. They are now allowing you to buy stocks and bitcoin but doesnt have a customer service number?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I received the report for the Background check that my company does each year. My mother and I have the same first and last name so her credit items, name and addresses, shows up on my credit. I would like those items removed. She died in 2012. 

Her name is XXXX XXXX ( XXXX ) XXXX. 
A couple of addresses that I'd like removed as I have never lived in SC and did not live in XXXX, FL during the dates listed are : XXXX XXXX XXXX, XXXX, FL XXXX from XXXX AND XXXX XXXX  XXXX XXXX, XXXX, SC XXXX Thank you. 
XXXX XXXX ( formerly 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 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/2018 XXXX, NA, XXXX XXXX I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
GLA has reported medical debt on my credit, I have disputed these debts through the bureaus. Some were removed, some were validated without proof. All GLA collections listed here are in violation of the AG settlement 2015. All 3 medical debts reported and validated by GLA have not been updated, and are in phase III violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have received 2 emails stating a trial deposit has been successfully made to your XXXX XXXX XXXX ... I have called all the numbers listed on the websites and they are all bad phone numbers.

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 2019-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I was scammed out of XXXX for tickets, I contacted Paypal and they said I need to reach out to the vendor, I explained the vendor was a con artist who blocked me she said there was nothing they can do? I know its only XXXX but it was for tickets for my kids

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX XXXX I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On Thursday, XX/XX/2019, XXXX XXXX  MST, XXXX XXXX wrote : paypal XX/XX/2019 XXXX MDT Transaction ID : XXXX Hello XXXX XXXX XXXX , You sent a payment of {$20.00} USD to XXXX XXXX ( XXXX ) It may take a few moments for this transaction to appear in your account.

Merchant XXXX XXXX XXXX Instructions to merchant You haven't entered any instructions. 
Description Unit price Qty Amount Order ID : XXXX | 10 Guaranteed Website Signup Details : URL : https : XXXX | XXXX  : | XXXX : {$20.00} USD XXXX {$20.00} USD Subtotal {$20.00} USD Total {$20.00} USD Payment {$20.00} USD Charge will appear on your credit card statement as " PAYPAL *XXXX '' Payment sent to XXXX Payment sent from XXXX XXXX XXXX  Used ( Total ) MasterCard XXXX {$20.00} USD Issues with this transaction? 
You have 180 days from the date of the transaction to open a dispute in the Resolution Center. 

Questions? Go to the Help Center at www.paypal.com/help. 

Please do not reply to this email. This mailbox is not monitored and you will not receive a response. For assistance, log in to your PayPal account and click Help in the top right corner of any PayPal page or please contact us toll free at XXXX. 
You can receive plain text emails instead of HTML emails. To change your Notifications preferences, log in to your account, go to your Profile, and click My settings.

Copyright XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

PayPal XXXX : XXXX, Paypal Refuse to give me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/2017 US Department of Education I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX by Comenity bank XX/XX/XXXX first I scheduled two payments to pay off the card before the finance charge was added to the account. One payment for XXXX $ from one account ( XXXX ) and another XXXX payment from my checking account. 

The bank stated that they never received my payment of XXXX $ and that because of this the finance charge of XXXX $ would be assessed. I opened a dispute with them but never received confirmation that the dispute was taking place nor what action resulted from the dispute. 

On XX/XX/XXXX the bank confirmed that there is a business rule on the back end of their software system saying that only one payment can be pending a day ( a Sr. account manager named XXXX ). 

This rule is not clear- the email notifications you receive are that one payment is completed and then a payment has been updated but it is not specific about which payment is updated. I have spent 15 hours on the phone with the bank and they refuse to admit that this is a system issue and that the finance charge should not be applied. They have stated that they have mailed me letters ( XX/XX/XXXX and XX/XX/XXXX ) but I have never received these letters despite having confirmed my address with them and requested them to mail the letters certified mail multiple times. I also stated that since the payment was being made from a new account this constitutes a new payment and the bank ignored this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
My complaint involves the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX and the Exchange Credit Program ( ECP ) that manages the STAR Card. The card has a retail balance, which carries an 18 % interest rate and a military clothing balance, which carries a 0 % interest rate for 8 months. In early XXXX, I purchased {$500.00} of military uniforms, which should have carried the 0 % rate. I discovered this week ( XXXX XXXX ) that the balance was instead placed on the retail side. I contacted the ECP to find out what happened, and the operator ( XXXX, no further information ) stated that she submitted the request for the correction, but the department in charge would have to decide whether or not to approve. I feel I've worked in good faith to correct this problem, but ECP seems to treat the error as an inconvenience ( I was originally directed to take my problem to the store with my receipt ). I just want the balance of the account to be reflected appropriately -- under the military clothing side ( 0 % interest rate ) that I was made to believe at the time of purchase. Any interest accrued on this account needs to be reversed.

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 2019-11-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My mortgage from Bank of America was sold in XXXX to XXXX XXXX. In late XXXX my score decreased by 75 points and when I looked to see why I show Bank of America reported my XXXX payment late. I contacted them directly and they disputed the information on my behalf on XX/XX/XXXX. I was then sent a letter from them that the information is accurate and dispute was closed. I contacted my current mortgage company and got a copy of the letter of transfer and also my payment history. I called Bank of America again and they agreed it was an error and opened another dispute XX/XX/2019 and again once they were contacted by XXXX  they reported accurate. I've tried twice now to dispute and go through proper channels but they keep disputing the issue on my behalf and then disputing their own dispute.

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 2019-11-25 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: CA

Complaint narrative:
THERE ARE TWO ACCOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I DISCOVERED THEM TODAY XX/XX/19 WHEN I WAS DENIED FROM OPENING A CREDIT CARD AT XXXX. NEITHER OF THOSE ACCOUNTS BELONGS TO ME AND I DID NOT ALLOW ANYONE TO OPEN THOSE ACCOUNTS IN MY NAME. I DID NOT BENEFIT ANYTHING FROM THOSE ACCOUNTS SUCH AS MONEY, GOODS OR ANY OTHER BENEFIT AND I HAVE NEVER HAD ANY WRITTEN/VERBAL CONTRACT WITH ANY OF THESE COMPANIES. I BELIEVE THAT THESE ACCOUNTS WERE OPENED BY A PERSON NAMED XXXX XXXX XXXX ; I HAVE NO RELATIONSHIP WITH THAT PERSONA AND I NEVER GAVE HIM/HER PERMISSION TO OPEN THESE ACCOUNTS USING MY PERSONAL INFORMATION.

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 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: NC

Complaint narrative:
XXXX XXXX Ss # XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by Flagship Credit AcceptanceXXXX XXXX  XXXX XXXX, TX XXXX I contacted Flagship Credit AcceptanceXXXX XXXX XXXX, TX XXXX and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,

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 2019-11-25 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: CA

Complaint narrative:
THERE ARE TWO ACCOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I DISCOVERED THEM TODAY XX/XX/19 WHEN I WAS DENIED FROM OPENING A CREDIT CARD AT XXXX. NEITHER OF THOSE ACCOUNTS BELONGS TO ME AND I DID NOT ALLOW ANYONE TO OPEN THOSE ACCOUNTS IN MY NAME. I DID NOT BENEFIT ANYTHING FROM THOSE ACCOUNTS SUCH AS MONEY, GOODS OR ANY OTHER BENEFIT AND I HAVE NEVER HAD ANY WRITTEN/VERBAL CONTRACT WITH ANY OF THESE COMPANIES. I BELIEVE THAT THESE ACCOUNTS WERE OPENED BY A PERSON NAMED XXXX XXXX XXXX ; I HAVE NO RELATIONSHIP WITH THAT PERSONA AND I NEVER GAVE HIM/HER PERMISSION TO OPEN THESE ACCOUNTS USING MY PERSONAL INFORMATION.

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