vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-29 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: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
My XXXX XXXX XXXX was totaled on XX/XX/XXXX and I informed Santander of this. Prior, to this happening I made and setup payment arrangements on my account with the maturity date changing on my loan to accommodate these changes. My vehicle was totaled and the other driver and was liable.Their insurance company paid the value of the vehicle.Leaving me with a balance of {$5100.00}. I purchased GAP with the intent of being able to actually use it. Upon, discovering the lender had provided inaccurate information regarding my payment history and being behind in the amount of {$4700.00} GAP only agreed to pay {$540.00} leaving me with a balance of {$4600.00} and I'm continuing to accrue interest daily although the XXXX has been signed over and they've received payment on the vehicle as well.Currently, due to their greed my account is still open and I have a balance of {$5400.00} including interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: NY

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Yesterday I reviewed a copy of my credit report and I saw some unauthorized credit inquiries on me. Also, I am requesting an updated copy of my credit report.

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 2020-09-29 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: FL

Complaint narrative:
Yesterday I reviewed a copy of my credit report and I saw some unauthorized credit inquiries on me. Also, I am requesting an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have had an account with XXXX through Barclays bank. I closed the account in XXXX. It is now almost XXXX. They have continued activity on the closed account -- including BOTH giving me a refund for extra money in the account after it was paid off AND then adding new charges and trying to charge me late fees. I can not get these people to just close the account, even though I paid the balance down to 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 2020-09-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: OK

Complaint narrative:
It came up that there was over {$1000.00} gone from my account. I called and spoke to the people from the unemployment go card. This person was only able to get a hundred and some dollars off and there was a freeze on the rest of the money that my account was frozen. So I go from a long time not being able to use my card have to get a new card. Just to find out now they say that money that was frozen there's no record of it. supposedly has taken almost {$200.00} off and then over {$800.00} that was supposedly Frozen they say they can't find. I had to file a fraud claim I did I was able to tell them my exact last purchase.I was sitting there talking to them on the phone looking at my card website money was being taken off of it when they told me it already been canceled.I told them that there still money  being taken. I have gone around and around so much with them I have filed two fraud claims. I have got nowhere .Then the last person I spoke with was completely rude and told me that I was supposed to file a police report within 24 hours I was never told this and he says '' wouldn't you if you lost a cell phone ''. I've never had to deal with anything like this obviously I need the money or I wouldn't be on unemployment. My  money has been stolen either by this company or somebody else and they will do nothing about it. They say they have no record of this money that they froze

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: FL

Complaint narrative:
Card was sent to the wrong address and now usbankreliacard is not letting me submit change of address

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 2020-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I previously submitted a complaint with cfbd about regional acceptance reporting wrong information which is considered fraud. I received a response from regional acceptance with documents that support my complaint. I sent a debt validation letter to this company I received a balance statement. No where in the statement is the amount thats being reported. I asked for my debt to be VALIDATED not VERIFIED.

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 2020-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: U.S. BANCORP
State: MA

Complaint narrative:
My sister and I applied for an RV loan at XXXX  XXXX. After initially checking our credit and prior to applying with any lenders the credit person at XXXX XXXX informed us that we would not be approved because we have never had credit together. The Credit person then asked me to take out the loan on my own. I refused. He stated that a small local lender may make the loan but at a higher rate. I ask him to apply for the loan through US Bank , XXXX XXXX XXXX and the local banks to see what comes back. 

My sister is recently a widow. She is XXXX years old with not debt other than her mortgage and a XXXX FICO. Plenty of income and cash in the bank. I am XXXX XXXX FICO no debt other than my mortgage and again plenty of cash in the bank. This is a very low risk loan. We wanted to buy this together for the family, so we could all spend time together. The plan was also to help her reestablish herself on her own, so this new was devastating to her. 

XXXX XXXX XXXX XXXX  made the loan and gave us a great rate but US Bank sent us a vague AA letter. I had to request in writing the actual reasons and i am still waiting for those. 

The fact is this process and policy is wrong, I have been iXXXX XXXX long enough to know that, in fact anyone who has taken a single RegU course on lending would know that. XXXX XXXX made the situation right by finding a lender but how they got to that point was wrong. At the end of the day if US Bank or any lender can require someone to previously have credit together they can in essence prevent people like my sister a widow from obtaining credit. This policy is Unfair to a  segment of the population. 

Please email or call me if you have any questions. 
Sincerely, 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 explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX,  XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: CA

Complaint narrative:
I can file as many complaints as it takes to get Experian to do a proper investigation. But if they don't do an investigation after this second complaint, I am sending this to an attorney. Their opinions of who filed this complaint is of no concern to me, but the fact that they are breaking the law and purposely keeping my credit report damaged without attempting an investigation is.

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 2020-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: CT

Complaint narrative:
I received a notification that I have been placed in collections on XX/XX/2020 for an account that is not mine. The name of the collections company is EOS CCA and the amount is {$530.00}. As a result, my credit score has suffered immensely. I have reached out to the collections company and there has been no change. I need this account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: CO

Complaint narrative:
I was promised by a VP at US Bank on XX/XX/20 that they would remove the negative entry and they did not do so. Please see the email they sent me below. 
XXXX Hello XXXX the Credit Bureau Negative Entry removal was submitted on XX/XX/20 by our cardmember services team and has a case # of XXXX. Please feel free to connect if you need anything else or do not see any movement on the Credit Bureau by XX/XX/20. 

Thanks! 

XXXX XXXX XXXX Vice President | District Manager | XXXX XXXX XXXX XXXX | XXXX U.S. Bank XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX | XXXX | usbank.com

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 2020-09-29 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I went to make a purchase at Macys In XXXX Florida with a {$200.00} Macys gift card, that was purchased 3 years ago and was told it had expired XXXX XXXX. Gift card had no expiration date on the back. After 2 hrs of trying to resolve the problem with corporate, I explained that in the state of Florida that a Law was passed in XXXX stating that gift cards have no expiration date. This issue is at a high level considering how many consumers are being gouged. XXXX needs to be held accountable for their lack of fair trade. Someone paid them in good faith XXXX dollars and they give the customer nothing. It sickens me to think how a large cooperation can steal from the consumers this way.

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 2020-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: NY

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: FL

Complaint narrative:
I previously completed a complaint but I wasn't sure it made it to you correctly and I just wanted to make sure you received all attachments. What I'm sending now is when I applied with Maryland 's XXXX XXXX XXXX XXXX. I have to send the whole packet to you because for some reason I'm not able to send you just the necessary pages. My previous ID # is XXXX. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XXXX XX/XX/2020 I submitted an online application for a credit card because of its generous offer when used to purchase gasoline. 

A hard pull was submitted to XXXX  credit bureau even though a hard pull had already been submitted to obtain a credit line increase with another of this credit unions credit cards I already possess in order to obtain a balance transfer, that was approved upon reconsideration. 

When several days had passed with my application labeled as pending, I sent an email message to the credit union inquiring about why my application had been so long in pending. 

Within hours, on XXXX XX/XX/2020, of my sending the email message, the credit union marked my application as withdrawn, though I did not ask for my application to be canceled or withdrawn. 

I have been sending email messages trying to learn why that my application for the credit card I want was withdrawn. I have also left two voicemail messages with XXXX in the credit unions underwriting department that have not been returned. 

I still want the credit card that I applied for that this credit union unilaterally withdrew from consideration though it hurt my credit score by pulling my credit file though it had already a fresh credit file from having approved my credit line increase on another credit card a couple of days or so before. 

I mention this because this credit unions previous policy has been to not pull a hard pull against someones credit within thirty days of having already pulled a hard pull, even when the hard pull was obtained for a different reason as can be verified by reading the online reviews about this credit union. 

I have had an impeccable relationship with this credit union up until the problems I had with obtaining the credit line increase and now this problem of an unexplained withdrawal of my most recent application for a credit card that I submitted on XXXX XX/XX/2020 but was withdrawn by the credit union on XXXX XX/XX/2020.

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