vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX violated the FCRA laws whee states you must give a customer most recent updated credit score : see attachments for violations maybe hire people in AMERICA that actual know how to read credit and use it not some 3rd world country : thanks below youll see the date and the credit report they provided me ONLINE as evidence

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 2021-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX of 2021 i tried to settle a debt with XXXX XXXX for less than the full amount and made arrangements with the collection company which held the debt. They aggreged to a set amount and then when I made the payment they did not treat it as a settled in full for a less amount, but instead tried to make me pay the remaining amount. So i then called and cancelled my payment as that was not the agreement I made with the company. 

After waiting to receive my payment back, i then tried calling back to settle this account during XXXX of 2021. I offered to pay in full for a lesser amount! After talking with the representative and making my terms very clear that if they took my payment that the account would be paid in full. I then sent in my payment to the company and again they applied it as a payment to the amount and not a settlement agreement to pay this off for a lesser amount. 

I then tried to speak with a supervisor at the company who explained that they couldn't credit the account that way. That it would be a multi step process to accomplish wanted i want and it couldn't be credited as paid in full. So instead of doing it the way i requested it be done and the way that me and the representative agreed to it they just processed my payment the way that benefited them best and disregarded the agreement we had made on the phone for this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Credit Management began contacting me in XXXX of 2020. The agents constantly called me trying to get me to pay a debt to a company that I was never a consumer/creditor with. They violated my privacy, which made me feel like they were committing identity theft upon me. They sent papers to my house multiple times with their intimidating logos and their messages. They made me feel guilty for something I had never done regarding their company. They made me feel worthless and that my reputation was ruined. I believe they used false and misleading claims/communication along with unfair practices telling me that I owe something they have no proof that I owe. 
They stole my identity by locating my information, i.e. my name or social security number, and I never gave them consent to use it. 
I know this is a violation of my rights under 15 USC 1692 and 15 USC 1692c.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2021 and on XX/XX/2021 I sent a letter to Equifax asking them to provide physical verification for accounts that are being reported on my credit report, and for those items to be deleted, after 30 days there was nothing sent to me and items still show on my report. As of today XX/XX/2021 I have yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion keeps violating my rights. I have severe XXXX and staff keeps hanging the phone up. I sent my documents over 25 times to fix my name.No one is hearing me out about my concerns.They keep sending responses back to cfpb saying they are not going to fix the problems. I am not getting any XXXX accommodations when I call which is a violation of the American XXXX act and staff is keep being rude. I asked so many times remove suffix sr from name.Transunion claiming that they never received my ID and SSN card even I submitted it through cfpb site over 20 times. 
I filed a civil lawsuit last week because of ongoing incidents I am having with Transunion.The name and inquiries are not mine. I dont know what else to do. I am hearing impaired they keep hanging up on me and being XXXX towards 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 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Inquire accounts that not a obligation of mines appears on my credit report 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all .This is a violation of my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f

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 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Inquire accounts that not a obligation of mines appears on my credit report 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all .This is a violation of my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: NV

Complaint narrative:
PERMANENTLY DELETE AND BLOCK the XXXX XXXX  XXXX, XXXX FROM MY CREDIT PROFILE. 

Equifax , Inc. refuses to follow the Fair Credit Reporting Act 605B ( a ) where they are required to delete and block accounts that have been proven to be identity theft within 4 business days. I submitted a police report and 2 FTC Identity Theft Reports to Equifax , Inc. with the XXXX XXXX XXXX XXXX XXXX account identified in them as identity theft. This account has been deleted and blocked by all other credit reporting agencies. Equifax has even deleted it multiple times, but they refuse to block it and allow XXXX to report it every month. The account is also subject of litigation and XXXX is estopped from reporting this account because of its fraudulent nature and being identity theft. The account is 100 % inaccurate. 

Equifax had until today to delete and block the account and instead they closed my last CFPB Complaint on the 4th business day and responded for me to call them. My phone calls to Equifax 's fraud department have proven ineffective numerous times. This is a deceptive business practice as Equifax is using this tactic to delay justice and continue to cause damages to my name, likeness, character, and credit worthiness. Equifax has in their possession everything they need to conclude this matter and delete and block the XXXX XXXX XXXX XXXX XXXX from my credit profile. Equifax has never provided me documentation as is required by law ( FCRA 605B ) informing me of their reasons not blocking the account and for allowing the account to be re-reported after Equifax has deleted it multiple times. Once the account is deleted, it can not be added back. All other credit reporting agencies I do not give Equifax permission to continue to publish this XXXX account on my credit profile. They have no permissible purpose by law to not delete and permanently block the account. I am being damaged daily by Equifax 's refusal to follow the consumer protection laws.

Every complaint that I file where they refuse to follow the law can and will be used against them as evidence in any and all matters whatsoever. I reserve any and all rights for damages and relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Persolve, LLC - Legal - Series 2
State: AL

Complaint narrative:
The acct is not reporting correct information to my credit file- this is not my acct and this is causing issues with my credit file and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX violated the FCRA laws whee states you must give a customer most recent updated credit score : see attachments for violations maybe hire people in AMERICA that actual know how to read credit and use it not some 3rd world country : thanks below youll see the date and the credit report they provided me ONLINE as evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
experian violated the FCRA laws whee states you must give a customer most recent updated credit score : see attachments for violations maybe hire people in AMERICA that actual know how to read credit and use it not some 3rd world country : thanks below youll see the date and the credit report they provided me ONLINE as evidence

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 2021-06-29 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: CA

Complaint narrative:
My card was charged with a lot of purchases from Apple Service. It was unauthorized charges. I reported fraud with the credit card company since XXXX, 2020. They were able to reimburse back most of the charges on my credit card. However, during the process, they reported to the credit bureau about my delinquency even during the investigation of the dispute. Finally, I paid the rest of unauthorized charges so my credit report can be cleaned but the delinquency still appears on the credit file. I contacted the credit company but they didn't do anything

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was charged an incorrect amount for a 4 night hotel stay at XXXX XXXX XXXX XXXX XXXX. I disputed the transaction with Chase Bank and submitted all proof, but they came back and denied my claim. 
In my opinion, the proof I provided them made it very clear that I was charged incorrectly. 
Unfortunately the hotel would not rectify the problem so I was forced to contact my credit card company for assistance with a dispute. 
Chase did not provide an acceptable resolution even when presented with facts that clearly shows I was charged incorrectly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I contact Westlake Financial regarding account # XXXX on XX/XX/29 requesting an amortization schedule for my loan and the amount I would need to have only 9 payments remaining. The first agent I spoke to at XXXX gave me a suggested amount but couldnt confirm the amount and when asked for information pertaining to further details in the interest my call was disconnected and I was sent to the survey. I then called back again at XXXX and spoke with another agent whom I asked for the amortization schedule again who told me he had never heard of such a thing. He placed me on hold to contact manager who advised him that Westlake does not provide that information. I asked for clarification as to why and the agent said again we dont give out that information. Im not sure why Im being denied this info and why it is not available but it is a document I needed to proceed with a construction loan for a new home 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 2021-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Yesterday I saw my statement and noticed a charged that was around XXXX XXXX that I never knew about. I looked into it and found out it was a security charge fee I never signed up for or was told about the singing up for the card back in XX/XX/2018. I called and canceled today but they only gave me a partial refund. They refused to give me a refund for those months when they charged me the fee without me knowing. I notice and looked into this problem when I notice the balance of my card increasing even though I have been making payments. The bank that is connected to my XXXX card in synchrony bank. I have also heard my other complaints from people about the security charge they have been charged from synchrony bank and took awhile for them to know just like my situation.

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 2021-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
on XX/XX/2021 at XXXX hours I visited Bank Of America at XXXX XXXX XXXX XXXX XXXX Ma XXXX and inserted my credit card in the lobby ATM to make my credit card payment in full. I followed the prompts and inserted {$1000.00} cash, the ATM was processing my transaction and then gave the following message on the screen, We apologize for the inconvenience. We are unable to process your request and can not return your items. please contact our electronic claims team at XXXX XXXX XXXX XXXX to discuss this transaction, i called the number and was redirected several times before getting to the right agent. her name was XXXX, she opened a claim but could not tell me anything that was going to happen accept that it could take up to 2 billing cycles to resolve. 2 MONTHS!!! 
I told her this was unacceptable and that i wanted to speak to some at a higher level. She told me that was not possible that this was there process and that i would receive a letter in the mail. 
I contacted the bank the next day and spoke with XXXX XXXX bank manager. XXXX looked into my complaint and contacted me later that day to tell me that he could not get any information because the ATM is handled by a third party company and told me to contact the credit card company again. 
i contacted the credit card XXXX number and was told the same thing, there is nothing they can due for me and that it could take up to 2 months to resolve but the bill will have to be paid in full or i will accrue late fees and interest. mean while I'm out {$1000.00} This is an unacceptable response from a bank and no one will help me. 
PLEASE HELP!!!

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 2021-06-29 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: PA

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

On 05/29/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I had discussed with the salesman at XXXX XXXX dealership in XXXX XXXX, NC to have my payments lowered in 6 months from the date of purchase of the vehicle. Each time a 6 month time period came I contacted the salesman, XXXX XXXX, and was given a different reason to call back in another 6 months. The finance XXXX, XXXX 's father had XXXX, they were busy, I hadn't paid enough, come back in another 6 months were some of the answers I got. Finally after about a year my credit had suffered. Then of course the answer to have my payments reduced was that my score was too low. In the beginning, I had also contacted Santander finance company about lowering my payments. I got different answers from different reps. One rep said take the truck back and get something you can afford. One rep said the loan was with the dealership and not actually with them at Santander. I was so confused and frustrated. When COVID hit I asked for help with payments because I saw online Santander was one of the companies providing assistance during COVID. I called and told Sandtander I even had XXXX XXXX XXXX during COVID and had some interruption in work due to the XXXX and decrease in work hours and pay for a while. Santander let me skip one vehicle payment but never decreased my payments. I think I was able to change my due date once in the 2 years I have been making payments. I have now paid down the very high interest I was charged and should be paying off the principal now. Santander should lower my payments. I feel as though I have been the victim of predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX/XXXX  XXXX  place a hard inquiries on my credit reports on XX/XX/2020. I have been trying to resolve this for almost a whole year. I was told by XXXX  and Transunion to file a compliant in order for it to be removed from my credit reports. I did not give none of these companies permission to pull my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation