vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-11 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I mailed in a dispute to Experian. I'd sent a copy of my credit report along with identification requesting they re-investigate/ delete and account which had been reported by XXXX XXXX to Experian XXXX the contract for credit had been cancelled/ rescinded by the creditor when it was determined I hadn't entered into the contract and service was never provided. After several hours on the phone with the creditor they were very helpful in resolving my issue, and advised me if any negative items have been reported to the credit bureau to have them investigate through their dispute and the item will be removed due to the original contract being cancelled/rescinded and they didn't have any information. 

shortly after mailing in my dispute to Experian i received and online notice that my dispute had begin on XX/XX/XXXX and would be resolved by XXXX. a Few days later I received an email that my dispute had been completed and updated. Experian did no investigation into my written dispute. i called on XX/XX/XXXX and spoke to an Experian representative named XXXX who verified that the account was updated but no dispute had taken place. if Experian did their job and properly investigated my dispute they would have found that information was unverified and the contract was cancelled due to being fraudulently obtained. Experian didn't even honor my request to submit the dispute via online. They did nothing! The Experian Rep XXXX agreed that dispute was not handled properly and submitted one via telephone. He also provided me an updated case # 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 2020-08-11 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: VA

Complaint narrative:
i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2020-08-11 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: VA

Complaint narrative:
i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I purchased two airline tickets using my CapitalOne Visa Signature card. My flights were cancelled because of the ongoing crisis. To my knowledge, there were no government laws prohibiting the flight at the time of cancellation. I purchased the tickets through a third party and not directly with the airline. The airline at that time was offering a full refund. I reached out to the merchant as well as the airline without any success. I was advised by the issuer ( CapitalOne ) to dispute the transaction, which I did. I provided all the necessary information including proof that the flights were cancelled by the airline as well as my attempts to resolve the dispute with the merchant as well as the airline. 
My dispute was declined and my credit which was issued by the bank was rescinded. The bank ( CapitalOne ) told me this was as a result of Visa not finding the merchant at fault because they were a third party. I explained to the issuer that it specifically stated in the terms of the merchant that they are bound to the laws of the company of the customer and that under 14 CFR 399.80 ( l ) refusal of a third party to issue a refund for a cancelled flight is an unfair and illegal business practice. See https : XXXX. I was told that they lost there chargeback privileges and I will have to settle with the merchant directly. 

A manager at CapitalOne told me that the real reason I did not win the dispute was because the original representative of CapitalOne had entered the claim wrong and not because of lack of credible evidence that I deserve a refund. He added that once they lose their chargeback option there is nothing he can do for me now. 

I have since called the airline and they told me that they are only offering vouchers which are of no use to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
On XXXX XXXX I called Cavalry Portfolio Services to dispute a debt and verification with XXXX # XXXX. I was informed that XXXX XXXX was handling that account for them. On XX/XX/2020 I faxed my letter of dispute requesting validation of debt and to dispute debt to XXXX & Cavalry Portfolio Services. On, XX/XX/2020 I called XXXX XXXX to inquire why after 90 days that I havent heard back from them. I spoke with XXXX XXXX at XXXX and she informed that the debt # XXXX has been transferred back to Cavalry Portfolio Services. I contacted CPS and spoke XXXX ext. XXXX who confirm that they did receive my letters on XXXX and confirmed they didnt respond. I informed them by law they have 45days to send the requested information and that it has been 90days. 90 days has past in my my rights under the Fair collections debt have been vailate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Hi I am filing this complaint against the 3 major credit bureaus. 

I disputed the accuracy of a XXXX XXXXXXXX account XXXX. 

All three are reporting different variables The follwing information is reporting wrong : Date Opened : Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX High Credit : Transunion {$1000.00} XXXX {$0.00} XXXX  {$41.00} Credit Limit : Transunion {$1000.00} XXXX  {$1000.00} XXXX  {$0.00} Last Reported : Transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Comments : Transunion : Charged off as bad debt Canceled by credit grantor XXXX : Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
XXXX  Charged off account Accounts closed by credit grantor Date Last Active : Transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Date of Last Payment : Tranunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX The information above should be the same across the board. There should be no difference any of these factors. The FCRA clearly states items on a credit report needs to be reported as 100 percent accurate. If not not they should be deleted I have attached a copy of my report showing the in-accurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Service Center, Inc.
State: PA

Complaint narrative:
On XX/XX/2020, I got update from the collection company that they sent the update to credit bureau 's to remove the collection items on my credit file as XXXX XXXX asked the collection company to place the items on hold until they work with my insurance company for paying the bills. On the same day I had been notified that it might take any time between 30 to 60 days to get that collection items removed from my credit file as it depends on Equifax to process the update. I requested the collection company to fasten the process as I am in process of refinancing my mortgage due to low rates and this collection items will have negative impact on my credit file for which I got an answer that collection company did their part of informing Equifax to remove the collection items and they cant do any sort of expedition as its upto Equifax. 

So next I raised a dispute with Equifax saying the bills are paid by my insurance and those collection items must be removed from my credit file, for which Equifax sent the notification to Collection company on XX/XX/2020 requesting if those collection items can be removed from my credit file. Collection Company responded on XX/XX/2020 stating those collections are valid and they have to stay on my credit file until cleared, which clearly contradicts on what I was told on XX/XX/XXXX that the collection company sent the update to Equifax to remove those collection items. 

Now I request you to please look into this matter and help me get my credit file fixed as this collections are impacting my refinance of mortgage. 

Collection Company - Collection Service Center, XXXX XXXX XXXX, XXXX XXXX PA XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: GA

Complaint narrative:
XXXX Bank granted a forbearance for 3months, XXXX through XX/XX/2020, due to COVID. I resumed payment on my mortgage on XXXX, following the end of the forbearance period. I then received emails from all 3-credit bureau about the bank reporting that I have been late on my mortgage for 90days, and payment has not been received. This dropped my credit XXXX. I filed a dispute with all 3-bureau, called the bank to try to resolve it but was told nothing they can do until after 30days of investigation into their system. I provided evidence of the forbearance letter which indicates my credit will not be affected due to the COVID relief assistance emergency program, but that was not taken into account by the bank. I am still out of work and now made difficult to find work due to the negative credit report irresponsibly placed by the bank. The bank, XXXX Bank, have yet to resolve this situation. Meanwhile my credit has only gotten worse because now I can't even refinance to eliminate my relationship with the bank. I have already started to receive letters from my credit card companies about dropping my credit limit due to the negative impact on my mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: VA

Complaint narrative:
I received several bills in the mail regarding a XXXX late charge owed to sprint. XXXX was paid in full by my past bank XXXX in which I never authorized a final payment any how so not to sure why XXXX submitted a request for payment to my financial institution. When this all begin I attempted to pay in payments with XXXX was denied the option to do so. I then saw a submission to my bank at the time for 2134 I believe was the exact amount. I disputed with my bank advising I was not on auto pay with XXXX and has not given authorization for the final bill to come out of my bank account. XXXX attempted many times on different dates until XXXX allowed the payment to go through. XXXX placed me in debt stating that they authorized the payment as a courtesy, putting a client in debt for a non authorized charge isn't a courtesy. I called sprint and asked why was a XXXX late fee charged after they received the full payment from XXXX the online chat teammate advised they will waive the fee. Months and a year later im now getting harassed by a third party call afni which XXXX hired to collect on a XXXX late charge that should have not been on there. I need assistance with getting this matter resolved and of my credit. XXXX made a fraudulent action against me and it was not the way to treat a customer. When attempting to get the matter resolved I experienced long holds and hang ups.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
On XX/XX/XXXX my son was in a horrible accident ; resulting in XXXX XXXX XXXX over XXXX XXXX XXXX XXXX XXXX. This was immediately on the heels of my employer ( XXXX XXXX ) laying my off while on disability/FMLA for XXXX XXXX. 

As a result I struggled most of XXXX to keep up with my bills, but I was able to make minimum payments until I was able to get back to work in XX/XX/XXXX. Unfortunately getting back to work did not help much as it required me to work out of state for nearly a year. The added expense meant I was no longer able to make my minimum payments on my Walmart credit card. 

So I contacted their customer service department and advised them I was paying for protection against this very issue. I advised I wanted to take advantage of the Debt Forgiveness program ; for which I was paying, and requested the paperwork to apply for Debt Forgiveness. I was advised the paperwork would be sent to my billing address. 

The requested paperwork was never sent/received. The next thing I knew Walmart had, instead, sold that debt to a bill collector. Instead of the debt forgiveness, for which I paid and qualified to use, I now have TWO companies hitting my credit report for THE SAME debt. ( Walmart and 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 2020-08-11 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: TX

Complaint narrative:
The account below should be a zero balance. 

Item1 : XXXX XXXX XXXX XXXX Account : XXXX {$9100.00} Reported balance Highest balance {$10000.00}

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 2020-08-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: KY

Complaint narrative:
We paid off a lease of a XXXX  XXXX XXXX leased with GM Financial when we initiated a second lease of the same vehicle with a newer model. We received paperwork at the time that indicated the previous lease had been paid off. In addition, as an existing GM Financial customer, I never received any emails, alerts, etc., even though their digital terms and conditions state they will send emails, text messages, and other communications I had opted into regarding ALL of my accounts. Unfortunately, I had removed the old account from my profile because I assumed it was old and already taken care of given I put more than {$6000.00} cash down on my new lease. 

My credit score was in the high 700s until this false claim hit my credit report this week -- sending it down more than 80 points according to XXXX. Any attempts to contact GM Financial have resulted in ridiculously long hold times followed with disconnection, or reaching a representative only to be given a different contact number. This issue on my credit score is over a paltry {$280.00}. How ridiculous! I will never lease with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: NV

Complaint narrative:
I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX, XXXX  and Trans Union to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
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 TransUnion 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 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

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 2020-08-11 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: NV

Complaint narrative:
I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX, Equifax and XXXX XXXX to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
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 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/2020 my Cash App account was locked for alleged unusual activity. It has not been unlocked to date and it is impossible to make contact with them. I received one email requesting information pertaining to devices used to access the account and responded with all information immediately. The app states that I should regain access within 24hrs, and it has been nearly three weeks as of now that I can't access my sole source of income ( unemployment payments deposited to this account ). I managed to  get a response from their XXXX account, but they only state that someone will look into the issue and get back to me " soon ''. Meanwhile, I can not pay bills or buy groceries and am about to be homeless because of this. On XX/XX/2020, I received a text and an email from cash app that my number and email had been unlinked from my account. It appears they have deleted or cancelled my account- which is fine by me- but they are in possession of my $ 9000+ balance and the lack of response to my increasingly panicked requests for assistance is disgusting. On XX/XX/2020 I requested an instant transfer of my account balance to my linked bank account on a device I was still logged into Cash App on. This transfer has not been received as of this writing. I have attached screenshots of the same for reference.

Company response to consumer: Closed with explanation