vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Date of incident : XX/XX/XXXX Total Amount of incident : {$60000.00} On XX/XX/XXXX @ XXXX XXXX  EST, which is 18 hours ago from the time this complaint was submitted. I received an email from an internal email address assigned to DRIVE FINANCIAL SERVIES LP. I thank you for the email bearing a two page copy of the Retail Installment Contract, however I do believe there is more and I would like a copy of the complete installment agreement signed on XX/XX/XXXX. Included with this request, I seek to receive a copy of the 1099C and a copy of both sides of the ledger. Ledger dates should include the date of purchase through and including the date the vehicle was sold. Make sure to include with the ledger the amount the vehicle was sold for ; and all charges pursuant to TILA and the FDCPA.

This information is due back to me no later than 5 calendar days, weekends included. If this date is not met, I will file my intent to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
I have not received any information on this account before it was reported on my credit report XXXX Notice for validation. This debt was put on my credit report without notice and i want to validate that the debt with a itemized bill to confirm amouts owed and all payment history for the account

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 2022-10-05 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: FL

Complaint narrative:
I have never used this card or had it in my possession. I have no credit card statements or account numbers as this is a fraudulent opening of a credit card by a third party. The only information I have is from the email I received for an amount owed. Information below : Account ending in XXXX and Bank Address below : Barclays XXXX XXXX XXXX XXXX, PA XXXX or Barclays XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 monetary relief
Consumer complaint received 2022-10-05 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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-10-05 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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted the following dispute letter outlining the blatant errors on my report. The bureau failed to investigate the error and instead returned a response that the item was " updated ''. They have also ignored my requests for proof of the investigation. By law credit information must be 100 % accurate or it must be removed. Disputes are also legally required to be properly investigated. This bureau has been using evasive tactics to violate the FCRA. 

Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. 
These credit accounts are reporting completely inaccurate information. The last payment date wrong. XXXX is reporting the last payment date as XX/XX/2021, but Equifax is reporting the last payment date as XX/XX/2021. This is an obvious discrepancy. Both payment dates are wrong as I have not authorized any payments from my bank to this company and all attempts were blocked by my bank. Both of these dates are inaccurate and are not consistent with what is being reported. 

The account is listed as : XXXX XXXX I also noticed another account that is reporting inaccurate payment history. The following account : XXXX XXXX XXXX XXXX  Is reporting on XXXX that there is 0 late payments and on Equifax it is reporting that there is one 30 day late, one 60 day late and three 30 day late payments. This is also a clear reporting error that is inconsistent and incorrect I am requesting that these items be removed. By Law, any erroneous or inaccurate information must be removed from the consumers credit report. 

Enclosed is documentation supporting my request : I have attached photos of the incorrect dates and payment history on the accounts The Accounts in question are listed as ; XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate this matter and delete the disputed items I have attached proof of the discrepancies as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted the following dispute letter outlining the blatant errors on my report. The bureau failed to investigate the error and instead returned a response that the item was " updated ''. They have also ignored my requests for proof of the investigation. By law credit information must be 100 % accurate or it must be removed. Disputes are also legally required to be properly investigated. This bureau has been using evasive tactics to violate the FCRA. 

Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. 
These credit accounts are reporting completely inaccurate information. The last payment date wrong. XXXX is reporting the last payment date as XX/XX/2021, but XXXX is reporting the last payment date as XX/XX/2021. This is an obvious discrepancy. Both payment dates are wrong as I have not authorized any payments from my bank to this company and all attempts were blocked by my bank. Both of these dates are inaccurate and are not consistent with what is being reported. 

The account is listed as : XXXX XXXX I also noticed another account that is reporting inaccurate payment history. The following account : XXXX XXXX XXXX XXXX  Is reporting on XXXX that there is 0 late payments and on XXXX it is reporting that there is one 30 day late, one 60 day late and three 30 day late payments. This is also a clear reporting error that is inconsistent and incorrect I am requesting that these items be removed. By Law, any erroneous or inaccurate information must be removed from the consumers credit report. 

Enclosed is documentation supporting my request : I have attached photos of the incorrect dates and payment history on the accounts The Accounts in question are listed as ; XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate this matter and delete the disputed items I have attached proof of the discrepancies as well.

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 2022-10-05 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: TX

Complaint narrative:
I have submitted a dispute to this company and have failed to receive my desired results. Please see my attached documents and have the company remove all unauthorized items immediately. In the attached documents I have provided and stated all information necessary to have these items removed from my consumer report. These companies shall provide me with substantial documentation on how they made their decision if accounts are not removed promptly. They have to prove one, I gave them permission to furnish and two, I was clearly giving an opportunity to opt out of reporting in which the law allows if not public information is being furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below. has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
On XX/XX/XXXX I applied for Apple credit card with a promotion that applied {$100.00} credit if applied for card before XX/XX/XXXX and make any purchase within 7 days. 

Apple delayed approving card until XXXX and now says I missed promotional date. Will not apply credit. Note I did make immediate purchase per terms within 7 days. 

I believe I met their deadline in good faith and it was their delay which moved me past deadline. 

I even offered a {$50.00} compromise. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I have tried to dispute account with Equifax asking for them to delete as this account is stating incorrect / invalid account number reporting account as a installment when the true type of account was checking account. Reporting inaccurate date last reported and date last active. Account payment history is reporting date last payment as XX/XX/XXXX with charge off on XX/XX/XXXX, this is impossible! Yet, Equifax has not recorded any payments on date last payment. I personally closed this account and it was never a loan it was my checking account. Therefore, there is no way that there can be a balance of {$190.00}. 
This account has been reporting charge off with a balance of {$190.00} since XXXX it is XXXX and account is still reporting charge off with a balance of {$190.00} if payments have been done like you are reporting the {$190.00} shouldve been paid off by now. This is not possible you are reporting payments up to this date when account has been closed since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2022, I have purchased gas from the XXXX gas station located at XXXX XXXX  XXXX XXXX, XXXX, PA XXXX. The transaction was made at the pump, and I purchased about 14 gallons of regular fuel, at {$3.00} per gallon, for a total of roughly {$53.00} ( the actual quantity was just slightly less than 14 gallons ). 
After the transaction was completed, the pump did not give me a receipt and a gas station attendant told me that their systems are down, and they can not give me a receipt. 
Following this transaction, on XX/XX/2022 a charge in amount of {$170.00} was posted on my Chase Freedom Credit Card, for the purchase described above. 
The difference between the charged amount of {$170.00} and the actual purchase of {$53.00} is fraud and I contacted Chase Bank to raise this issue. 
Chase Bank rejected my claim though because I was not able to provide a receipt, which I claimed was at the very least irrational since usually people do not give receipts for fraud. 
As such, I believe that Chase Bank is not meeting its obligations of fraud protection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received this card in XX/XX/XXXX and have made payments consistently every month, sometimes twice a month. However, this credit card company has charged me interest every month and has said I have had late fees every month. I have been charged interest even though I have never been late on any payments. 

Payment dates and amounts : XX/XX/XXXX paid {$50.00} XX/XX/XXXX paid {$50.00}, XX/XX/XXXX paid {$50.00} XX/XX/XXXX paid {$100.00} XX/XX/XXXX paid {$50.00} XX/XX/XXXX paid {$1800.00} XX/XX/XXXX paid {$50.00} XX/XX/XXXX paid {$50.00} XX/XX/XXXX paid {$1800.00} XX/XX/XXXX paid {$130.00} XX/XX/XXXX paid {$110.00} XX/XX/XXXX paid {$50.00} XX/XX/XXXX paid {$60.00} XX/XX/XXXX paid {$200.00} XX/XX/XXXX paid {$260.00} XX/XX/XXXX paid {$250.00} XX/XX/XXXX paid {$500.00} XX/XX/XXXX paid {$200.00} XX/XX/XXXX paid {$500.00} Charged interest dates and amounts : XX/XX/XXXX charged interest of {$23.00} XX/XX/XXXX charged interest of {$34.00} XX/XX/XXXX charged interest of {$5.00} XX/XX/XXXX charged interest of {$30.00} XX/XX/XXXX charge interest of {$12.00} XX/XX/XXXX charge interest of {$35.00} XX/XX/XXXX charge interest of {$37.00} XX/XX/XXXX charge interest of {$35.00} XX/XX/XXXX charge interest of {$38.00} XX/XX/XXXX charge interest of {$31.00} XX/XX/XXXX charge interest of {$31.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Received statement from XXXXXXXX XXXX  indicating someone was trying to purchase an item for XXXX, not authorized. So I called XXXX and was told to call customer service number on the back of my card and asked for the fraud dept. I was connected to a person XXXX XXXX in the fraud dept., he said someone was trying to get money out of my saving acc. and we have to take the money out so they can't get it. So he advised a money transfer of XXXX to a company called XXXX XXXX XXXX in XXXX, NY so my bank did a transfer to that company. The man called XXXX XXXX from XXXX XXXX fraud dept. said he was making a folder and we would get this money back when things cool down. Then we learned the whole thing was a scam and asked the bank to do a wire recall to stop the transaction. The bank said it could be done. yesterday I received a letter from XXXX XXXX saying the case was closed as the holding bank would not return the money. Now I learned the holding bank may have been Capital One in the NY area. Hope you can help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: SC

Complaint narrative:
I have the same qualifying PSLF employer since XXXX and have submitted Employer Certification Forms Thru XXXX. My student loans are all consolidated with a unified disbursement date of XXXX. Never in default or nonpayment- either payment with a wrong qualifying payment ( as advised by my loan servicer ) or in extended ( +36 cumulative forbearance as advised by my loan servicer ). I have only been credited for 2 PSFL payments. This gross delay ( almost a year ) in publishing ACCURATE payment counts is causing undue mental stress and harm. Can not something be done to receive an accurate count? I firmly believe I am at the 120+ payments on my XXXX student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted a dispute to the following company and have not received my desired results. Please see my attached documents and have the company remove all unauthorized items immediately. In the attached documents I have provided and stated all information necessary to have these items removed from my consumer report. These companies shall provide me with substantial documentation on how they made their decision if accounts are not removed promptly. They have to prove, one, I gave them permission to furnish and, two, I was clearly giving an opportunity to opt out of reporting in which the law allows if non-public information is being furnished.

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