vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-03 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: GA

Complaint narrative:
I the consumer XXXX XXXX have noticed some unauthorized inquiries and accounts on my credit report which was the result of identity theft. 15 usc 1681c-2 states that consumer reporting agencies must block and remove inquiries related to identity theft. please block and remove the following accounts listed in the attachments.

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 2021-08-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL, INC.
State: IN

Complaint narrative:
I contacted the company listed on my credit report as owning my student loan debt. I was incarcerated for 6 years and a power of attorney did or didnt properly handle some of my obligations, which ones and how they were handled I can not know. So I requested a detailed letter stating that I do owe the debt, payment history, and amount owed. I was told I couldnt be given this information due to privacy concerns. I was then advised to dispute the debt if Coast XXXX  couldnt or refused to prove there was an outstanding debt and for how much. I disputed the debt and it was resolved in that nothing changed in my credit report. So I again contacted Coast XXXX  and asked for the previously requested information. I gave them my address and general contact information and was told they would mail me the information. This was multiple weeks to a month ago and I havent received the information. I feel I have a right to see information about the debt, that it is mine, that I owe on it, that it has or hasnt been partially, fully, or not at all paid. Can I be expected to start payments on something I cant see the details of and have only been explained over the phone? I am unsure. But I am also legitimately unsure how this was felt with by my power of attorney and therefore feel a need to verify the 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 2021-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
The loan was paid off on XX/XX/2021. The company was overpaid by by {$31.00} ( refunded ). The company also received another over payment ( GAP Insurance Refund ) in the amount of {$990.00}. I have been told numerous times that this amount was already refunded and mailed back. I called multiple times requesting updates, but each time I get the run around and a different answer. I eventually escalated to a supervisor who was extremely rude and only frustrated me beyond words! This is a pandemic and Hyundai Motor Finance should know better. I could have used this refund to assist with my mortgage! They've been in receipt of this money for over a month now and have yet to refund. I have to call two additional times after today 's interaction just to get a proper escalation!

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 2021-08-03 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: Great American Finance Co
State: IL

Complaint narrative:
IT HAS BEEN MONTHS OVER 5! And no on has followed up, I have sent confirmed tracked letters as seen in my.other complaints and called every company personally to always get a 'there is no way to confirm or deny ' or 'we will reach back out. ' Transunion just keeps resubmitted forms I guess to the companies but no one is keeping their word with fixing a thing, verifying or following up.

ILLEGAL ILLEGAL I was told 1. They are pre-approval soft inquires 2.they would all be " bunched '' together since I am shoping around so it would be like one inquiry 3. I had no idea they pulled anything at all, especially several times.

Every piece of proof is already on transitions hands or CFpB complaints filed before or mailed to the companies/car lots.

Please read through to find your company : Great Americ Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/XXXXXXXX  XXXX  Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
Professional Finance Company is listed frequently in complaints. They must offer lots of bonuses to their employees. 

I had shoulder XXXX 7 years ago at XXXX XXXX XXXX XXXX of the XXXX -- XXXX XXXX. Not only was the XXXX unsuccessful, I was billed twice what the initial estimate was. Due to these factors I was not thrilled about paying, but I did attempt to, making an initial payment of {$700.00} and made some further payments. 

Well not long after I am told XXXX XXXX XXXX has the debt and they become quite aggressive in its collection, but now its even more, a {$2000.0

0} surgery is now {$4000.00}. I go to court and settle with these people and begin a fair payment plan which is automatically withdrew from my account monthly.
5 years later. I get another subpeona saying I owe the exact same amount and more for the same XXXX. 5 years of payments. Turns out they stopped with drawling 6 months ago and I didn't even know it. So court again tomorrow. They should be paying me by now and a counter-suit in the works.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I the consumer XXXX XXXX have noticed some unauthorized inquiries and accounts on my credit report which was the result of identity theft. 15 usc 1681c-2 states that consumer reporting agencies must block and remove inquiries related to identity theft. please block and remove the following accounts listed in the attachments.

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 2021-08-03 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: GA

Complaint narrative:
I the consumer XXXX XXXX have noticed some unauthorized inquiries and accounts on my credit report which was the result of identity theft. 15 usc 1681c-2 states that consumer reporting agencies must block and remove inquiries related to identity theft. please block and remove the following accounts listed in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Good evening, I would like to ask you to start investigation on accounts that I have in my profile. The point that these accounts are not mine and have never been mine. They appeared recently and I do not know their origins. Its identity theft and I am very sad about this situation. I want you to check them and to figure out what happened. Also I do not want to see them so I ask you to delete them. Thank you I will appreciate it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Good evening, I would like to ask you to start investigation on accounts that I have in my profile. The point that these accounts are not mine and have never been mine. They appeared recently and I do not know their origins. Its identity theft and I am very sad about this situation. I want you to check them and to figure out what happened. Also I do not want to see them so I ask you to delete them. Thank you I will appreciate it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
on XX/XX/XXXX i filed a dispute for funds being taken out of my account in the amount of {$2200.00} in XX/XX/2021 for XXXX XXXX XXXX which i did not authorize, the bank came back with a decision that this charge was authorized due to i had a XXXX  payment sent to me for money owed to me and concluded, and assumed otherwise ( very unprofessional by the way ). There's no way this amount of money should have even been allowed to leave my account without a notification to my phone, when they block me for a simple purchase of {$5.00} asking me to deny or approve it. 

I then contacted XXXX XXXX XXXX several times after i wasn't getting anywhere i emailed the ceo and a rep contacted me and and actually attempted to help me regain funds that were takin out of my account which she seen it was a charge by a travel agency, she called them and left emails with no response back, she gave me their info and and called as well. she stressed that she couldn't retrieve funds a travel agency submitted under their business umbrella that i need to contact my bank and my bank would be be able to get the funds back. 

i emailed the ceo of bank of america about them denying my claim, and how their workers assume without doing the foot work and telling me no. I also included the voicemail transcript XXXX  left backing up their efforts to help me.

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 2021-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I always pay my cards in full by due date. My Capital One card is due on the XXXX of each month. In XXXX I went on line and paid the full amount {$2200.00} ( XXXX charges ) on XX/XX/XXXX. When I received the XXXX statement, it showed an " interest charge on purchases '' of {$35.00}. In reading the statement, it indicated that my payment was received after XXXX. Since the statement stated that payments after XXXX XXXX  would be considered late, I accepted the charge of {$35.00}. 
In paying the XXXX statement by the due date of XX/XX/XXXX, I made sure I scheduled it on the XXXX ( which the statement shows ) and paid on the XXXX ( which the statement shows ) .I did this using Capital One 's web site ( not my bank site ). When I received XXXX 's statement I was again charge " interest charge on purchases '' of {$19.00} When I called them and asked why this happened since my payment was within their parameters, I was told that their policy is that you must pay " on time '' TWO months in a row before they stop charging an " interest charge ''. 
I paid my XXXX bill in FULL. The amount was {$1700.00}. This amount included the prior month 's {$35.00} interest charge. This seems like usery to me. I said as much and they will be crediting the {$19.00} so my problem is solved at this time, but think of how much money they make by doing this to so many people. I want you to look into this and stop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is a debt on my credit report that is no longer owed to the original creditor. I have submitted written disputes several times directly to the credit bureau, but Equifax has not made efforts to correct the inaccurate information. The debt with the original creditor ( XXXX XXXX XXXX XXXX ) of {$18000.00} was transferred as of XX/XX/2018 per XXXX 's statements to me. Despite XXXX stating they no longer have the account, they have continued to report 90+ Days Late day delinquencies and the full balance of {$18000.00} as due for 39, going on 40 months now, after they have no longer owned the debt. I do not know who owns the debt. XXXX says the collection company does ; however, they continue to report to the credit bureaus that I owe them directly. I can not and do not owe the same debt twice to both XXXX and a collection company. My written disputes have not been responded to by XXXX or Equifax. They have been submitted numerous times over the past several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
I had an {$8000.00} limit on my USAA credit card. I paid the card off using the service of XXXX XXXX XXXX XXXX. Before I did so, I called USAA customer service which verified the balance with me. Months later I received a letter saying that I had a {$1.00} balance. USAA credit card company reported my account late for payment to the credit bureau for {$1.00}. I called the company to dispute it and they refused to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
A company overcharged me for a service without my authorization. I submitted several pieces of documentation showing that the amount on that was charged was more than with the contracted amount with the merchant. Although I agreed to an amount of {$140.00} for services by XXXX on XX/XX/21, the final amount charged was {$220.00}. I contacted the merchant to dispute the charge and got no response. I then contacted Goldman Sachs to dispute the charge on XX/XX/21 while waiting for a response from the merchant. I submitted documentation that the charged amount should have been {$140.00}. The dispute was denied on XX/XX/21 due to with an explanation of " No response was received for the request for additional evidence in the past week. '' After contacting Goldman Sachs, the representative confirmed that the documents I provided to support the dispute were in fact included in the investigation file. They then offered to reassert the dispute. I agreed to do so and then sent in the same supporting documents on XX/XX/21. Again, on XX/XX/21 I received a notification through the XXXX XXXX app that the dispute was again denied. The representative I chatted with on XX/XX/21 stated that this was because " The merchant provided sufficient evidence that you made the purchase. '' They then stated that there was no evidence submitted by the merchant at all in either dispute. They are now refusing to provide a written explanation for the denial of the dispute and copies of the documents that were used in the decision.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted Equifax XX/XX/2021. I spoke with XXXX. I informed him that I have made several request to obtain a description of the procedure used to verify information listed on my report. I informed him that the information provider contact information was not able to verify what Equifax verified. This prompt me to exercise my rights under FCRA 611 ( a ) ( 7 ), which I have a copy of the law attached for the company 's reference. It clearly states that they have to provide all information used to verify the account. Equifax is required to verify with the provider information and they have not done so, due to me getting different information from the provider of information listed on my report. I disputed XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, Bankruptcy Court-XXXX  and a open account XXXX XXXX XXXX. Equifax received several inquiries from requesting methods used to verify and they have yet to provide that information in which they had 15 days to do so upon my request, according to FCRA Laws which a copy of the law is included in this complaint. The agent said that the procedure of providing this to a consumer is not available. I told him I tried to verify the bankruptcy with the court listed o my report and I couldn't. I told him I told the court what was on my report and they said they did not provide that information to the credit bureau or anyone affiliated with them. He said there was nothing he can do even if it was reported wrong. He told me a third party provided the information and that information came from the court even though I kept telling him I have letter from the court that states that they did not provide the information, which I will attach and send again to the company. I inform him that my report is not complete and that they are illegally reporting unverifiable information, because they have not been in compliance by providing y request in the time allotted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I opened a card with XXXX XXXX XXXX  on XX/XX/2021. The credit limit of this card is {$300.00}. On XX/XX/2021, XXXX XXXX Bank reported to the Credit Reporting Companies that it had a balance of {$300.00} and that I paid {$30.00} on that balance. I have made the following payments on this card : {$40.00} on XX/XX/2021 ; {$30.00} on XX/XX/2021 ; {$150.00} on XX/XX/2021 and {$120.00} on XX/XX/2021. These payments have satisfied the account balance to {$0.00}. On XX/XX/2021, I returned an item purchased from XXXX XXXX and a credit of {$7.00} was placed on this Visa Card. 

I have called almost everyday for two weeks straight trying to get XXXX XXXX to update my Credit Report. They told me they could not do it until XX/XX/2021. I asked them to close the credit card, which they did on XX/XX/2021. I have spoken with the Credit Reporting Agencies on XX/XX/2021, and XXXX  XXXX has NOT reported a XXXX balance or that the card account is closed. 

XXXX XXXX has also failed to send me a letter stating the account is closed with a XXXX  balance. I have spoken with so many " supervisors '' at XXXX XXXX to try and rectify this situation to no avail. I have also disputed this card with the Credit Report agencies and each time, XXXX XXXX stipulates that I owe the debt. 

My husband and I are trying to obtain a mortgage and this is holding it up. XXXX XXXX XXXX  has failed to do it's due diligence and they are causing potential harm to my person.

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 2021-08-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
Unauthorized transactions on my cash app card. I had two weeks wages taken from my card around {$400.00}. At least 13 transactions came from a XXXX  in New York. In all I had 16 unauthorized transactions that drained my card. The dates that this happened ranged from XX/XX/2021 to XX/XX/2021. First I called the merchants. They said I need to call Cash app. I called Cash app reported all the unauthorized transactions and they said sure you might get your money back in 45 days. I also filed a police report with my local sheriff 's office they said because these transactions were in New York they couldn't do anything about it.

Company response to consumer: Closed with explanation