vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I submitted a XXXX payment from my Capital One checking account. The amount was for {$1800.00} and the intended recipient was XXXX XXXX. XXXX XXXX never received the payment but the money was deducted from my checking account. Capital One never notified me of a problem with the online payment. It wasn't until I checked my XXXX XXXX account on XX/XX/XXXX that I noticed the payment was not received. I immediately called Capital One and was told that they could see there was a problem with the payment. The representative had no other information regarding what happened or where the money was, or why they had not notified me of a problem. I asked to speak with a supervisor. I was speaking with for a very brief time when we got disconnected. She never called me back. I called Capital One again on XX/XX/XXXX and spoke with another representative. I informed her that I had set up a claim but that the money had still not been put back in my account. She transferred me to the claims department who told me that it was being investigated and it could take up to 10 business days. I told them I found it completely unacceptable that they had taken {$1800.00} of my money and not returned it. It has now been almost a full month since the payment was initiated. 10 days since I set up the claim with Capital One and still I do not have my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Harley Davidson Financial Services Inc
State: AR

Complaint narrative:
on XX/XX/2023 I applied for a loan to buy a Harley XXXX. the XXXX cost XXXX and i only had XXXX dollars down. I never dreamed I would be approved for the loan but i was even though i am XXXX  years and have very limited retirement income. I was estatic that a dream of mine was becoming a reality. All the add on and taxes brought the cost up to XXXX. 15 % interest for 8 years XXXXXXXX XXXX XXXX monthly payments. 
It did not sink in that i was over my head in debt until all my savings is gone and i am struggling just to live and survive. I should have never been approved for the loan and i still dont know how i was with my limited income. 
I have tried to talk to company about buying the XXXX back but because i owe over XXXX XXXX and the XXXX is only worth XXXXXXXX XXXX they cant buy it back and i can get it refinanced to lower the payments either for the same reason. And i signed the contract. being too excited for the opportunity to own my trike for the repercussions to sink in. Now I am in the position where I cant pay the payments as I have already used all my savings. I don't want a negative credit repossession but I don't see I have any other choice. I have talked to our state representative XXXX XXXX and he thought you might have some assistance. I know I got myself in this mess but I cant help wondering at this point why the lender approved me when my income was so limited. I was debt free up until I bought my trike. I am not trying to assign blame with anyone. I just need a resolution. if there is any wisdom to glean from this experience if you know you cant afford to pay for something dont buy it even if salesman makes it look good.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: AZ

Complaint narrative:
I paid this debt off XX/XX/XXXX and XXXX  reported to XXXX XX/XX/XXXX that there was still a balance. I recently submitted a dispute with XXXX that this collection has been paid in FULL! XXXX Certified to XXXX that there was still a balance. They lied and are currently hindering me from purchasing a house for my family!!

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 2023-11-28 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request.

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 2023-11-28 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request.

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 2023-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Date of the transaction. XX/XX/2023 The amount of money you paid the business? So far I have paid them XXXX in installments What the business committed to provide you? They had committed to provide me with video footage of anyone, or everyone breaking into my room. 

What the nature of the dispute is. The nature of the dispute is that they have not provided the service I needed, especially whenever I found that important items were missing from my room, and that someone must have broken in. The cameras were always down when there were break-ins. The company itself would log me out, and block my online account from viewing the events that happened in my room. 
When I log into the XXXX application or website, I am not given access to anything else except 2 factor authentication, which I did, but nothing more than that has been accessible, no footages, no monitoring, nothing. I am made to pay an extra {$27.00} for just logging in, which is unfair. I need a refund of XXXX and cancelation of their service by the company itself. 

Whether or not the business has tried to resolve the problem. The business has failed to resolve the problem. When I reported, they would then make me go through another login process and failed to retrieve the footages of the days when I had a burglary or break in. They sent somebody to just come and look at the camera and did not resolve the real issue of failure to provide me with footages of the days when I had a burglary or break in. 

Account or order tracking number. There are two accounts. They are collecting money from both of these accounts, citizens bank line of credit and XXXX XXXX XXXX  If the issue involves advertising, where and when the ad was seen or heard. It was an ad that popped up on my screen when I looked up security cameras on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting 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: FL

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 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 a 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 the 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 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 2023-11-28 00:00:00
Product: Credit reporting 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: FL

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 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 a 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 the 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 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 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: WA

Complaint narrative:
Called the number provide informing them of the charge on the card. They canceled then card and was told they were going to send the replacement card with the missing funds. The card never arrived. Called again ( XXXX ) requesting the same thing and they were confused on what i was asking for. Put on hold many times returning back on telling me that it was a charge and to get my funds back i had to send in a letter to an address i did not understand. The amount on the card was XXXX and a charge to the card happened at a gas station in the XXXX XXXX, in the amount of XXXX. I live in west coast.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On or Between XX/XX/2023 and XX/XX/2023, I was informed that a collection entry was erroneously reported to TransUnion. As a result, my transunion credit score dropped XXXX points. Following clarification with the original creditor, XXXX XXXX XXXX who promptly ordered the collection company ( XXXX XXXX ) to REMOVE/DELETE the collection account from my credit report. Between XX/XX/2023 and XX/XX/2023, This XXXX XXXX collections account ( Account Number : XXXX ) was removed from my credit report. However, despite the removal of the erroneous collection, my credit score has not been restored to its previous state.

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 2023-11-28 00:00:00
Product: Credit reporting 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:
I filed a dispute with Experian regarding the derogatory credit reporting from this creditor. XXXX XXXX XXXX responded to Experian advising that the file was accurate and correct and no action will be taken. I respond back to XXXX XXXX XXXX in which I submitted a request for Verification of Debt which they received on XX/XX/XXXX ( I sent the letter via registered mailed through the USPS ). As of the date of this letter, XXXX XXXX XXXX has failed to respond back to my request. 

I re-disputed the case with Experian once again as identify theft in which XXXX XXXX XXXX again just responded that the file was accurate and refused to remove the derogatory reporting. The failed to provide me nor Experian any documentation to support their position and due to the failed to comply with the Request for Verification of Debt within the 30-days timeframe, the file must be removed. 

I filed a police report ( confirmation # XXXX ) with the XXXX Police Department on XX/XX/XXXX. I do not owe them, and they do not owe me anything. My request is simply to have this inaccurate file removed.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I filed a dispute with XXXX regarding the derogatory credit reporting from this creditor. XXXX XXXX XXXX responded to XXXX advising that the file was accurate and correct and no action will be taken. I respond back to XXXX XXXX XXXX in which I submitted a request for Verification of Debt which they received on XX/XX/XXXX ( I sent the letter via registered mailed through the USPS ). As of the date of this letter, XXXX XXXX XXXX has failed to respond back to my request. 

I re-disputed the case with XXXX once again as identify theft in which XXXX XXXX XXXX again just responded that the file was accurate and refused to remove the derogatory reporting. The failed to provide me nor XXXX any documentation to support their position and due to the failed to comply with the Request for Verification of Debt within the 30-days timeframe, the file must be removed. 

I filed a police report ( confirmation # XXXX ) with the XXXX XXXX XXXX on XX/XX/XXXX. I do not owe them, and they do not owe me anything. My request is simply to have this inaccurate file removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Target credit card is not crediting my account when I make a payment. Recently, on XX/XX/XXXX, I made a {$3000.00} payment. Target has yet to credit my account for this payment. I believe they are committing a huge fraud. If they do not credit my account, they then have the advantage of charging me more interest than I am suppose to really pay. I have never experienced this fraud in the last XXXX plus years of paying credit cards. 

Please, I need to put a stop to this. CFPB is the only Bureau which has the resources to stop this abuse. This is fraud at its finest. 

I know there are many people who are going through this same abuse and do not have where to look for help. 

Please help put a stop to the fraud Target card is committing. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Called to ask Experian to remove fraud alert and was told it would take XXXX even though all verification information was provided. This should not take XXXX and is preventing me from taking the necessary steps to further my life.

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 2023-11-28 00:00:00
Product: Credit reporting 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: AL

Complaint narrative:
XXXX  XXXX XXXX I recently received a copy of my ( Experian, XXXX XXXX XXXX ) Credit report, and I noticed transactions posted on my credit report that are excluded by federal law. 

Account number XXXX Date opened : XX/XX/2021 Your company is in direct violation of the FCRA 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
XXXX  XXXX XXXX reported a transaction from account number XXXX to my consumer report the above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person making the report is not included on the consumer report yet you are reporting this information to my consumer report.

The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is clear violation of the FCRA. 
I need the transaction deleted from my consumer report effective immediately

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: NY

Complaint narrative:
I sent previous letters to the collection company asking to send me my original contract and validation of the debt, i sent a letter in XXXX and also XXXX. Jefferson Capital system has no right to report this account and inaccurate information. I demanded for this to removed from my credit report due to the FCRA consumer laws. This company agreed and failed to do so. I do not have a contract with JEFFERSON CAPITAL SYSTEMS!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: General Motors Financial Company, Inc.
State: NV

Complaint narrative:
The XXXX has not worked since XXXX of this year and has been parked. I had kept up with the overall maintenance and I didnt understand why. 
I was advised to take it to the dealership as the XXXX engine was under recall. 
After contacting XXXX Consumer affairs Reference no # XXXX  XXXX The engine is under recall and quality to be fixed. 
Understanding that to be true I took the car to the XXXX dealer XX/XX/XXXX XX/XX/XXXX the dealer contacted me and said that although its engine failure that its not covered and it was then I contacted GM financial asking them to please take the car back during a conference call with my husband. XX/XX/XXXX GM agreed to take the car back and told me that it would show as a repo. The company left the car abandoned at the dealership after agreeing to take possession and is aggressively pursuing payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Citizens bank allowed recurring transfer to go through after account was closed. Now the transfer and my account login is deleted so I need the {$10.00} sent to me via check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transition violated my rights leaving my data opened for hackers and false information concerning background. Thus causing me loss. Transunion do better

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 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MD

Complaint narrative:
Recently Discover Card reduced my credit limit, citing " no collateral. '' My monthly payment has never been late and I do not use the card any longer. I told the representative who took my complaint that I was effectively being punished for using my card and paying on time. This event has impacted my credit score which affects my financial well-being. As a senior citizen, I can not afford such egregious tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My information with equifax has been breached. Attached you will proof of the data breach affecting my personal information. Equifax refuses to delete the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief