vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Consumer Portfolio Services, Inc.
State: NJ

Complaint narrative:
I have consumer portfolio services I pay monthly for my car. I paid XXXX car payment and it wasnt credited to my account. I tried paying XXXX XXXX and for some reason it kept saying failed but I knew I had the money on my credit card. So I called consumer Portfolio service and it went to someone house phone that works for them left messages. Then I called my credit card company and with transactions when the payment that was getting declined said XXXX  but also said it was going towards a mortgage payment. I called XXXX  and of course no answer let a few messages then I called my credit card company and reported fraud and canceled the card and getting a new one. I am so beside myself I am grateful that it didnt go through. I am not going to pay them with my bank account so I dont know what to do. I also want to know what happened to XX/XX/2022 payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have held accounts with TD Bank in the past subsequently, I closed the accounts, and fyi I would like to add that my daughter is still due monies based on their " XXXX XXXX '' I recently purchased furniture with a company I trust, and depended on the associates to the financial institution funding. I was unaware that this was a TD financial account ( I never would have agreed ) However, I am now in a receipt of an account evaluation, this was opened on XX/XX/XXXX and, I opened the account in XX/XX/XXXX and now seriously delinquent. I have never missed a payment and pay above the minimum payment. I was late by 2 days due to the fact that they do not receive electronic payment and request checks. I am without upset and was recently and abruptly dismissed by the representative that I spoke with after the notice. I am not " seriously delinquent '' and I am appauld by a bank that advertises that they are there for you or even offer forgiveness in Publically/televised advertised adds. I am unsettled by this recent correspondence

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I contacted Capital One on XX/XX/XXXX to inquire about a dispute with Payless XXXX XXXX I was informed that my dispute was being investigated as a fraud case ( a fraudulent charge ) as opposed to a disputed charge case. The Capital One representative informed me that the case needed to be moved from a fraud investigation to a dispute investigation, and she assured me that she would take care of that. 

I received a collections letter in the mail from Payless XXXX XXXX on XXXX XX/XX/XXXX for approximately {$1300.00} more than what I actually owe on the rental. 

After receiving the letter, I called Capital One again on XX/XX/XXXX to ask about the progress with my dispute case. Capital One informed me that the case was still being investigated as a fraudulent charge instead of a disputed charge, and that was causing the delay. The Capital One representative explained to me that a new dispute case could not be opened until the fraud investigation was closed, and because Payless XXXX XXXX  had not responded to them about the fraud investigation, Capital One was not capable of starting a dispute investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XX/XX/2022, there were several negative collection accounts disputed and removed from my credit report but Experian did update and increase my credit score.

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 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX Bank XXXX Acct # XXXX and XXXX XXXX XXXX XXXX has violated my rights.

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

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 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I reached out to the reporting company and they have not gotten back with me in 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I'm unable to open any bank accounts due to identity theft

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 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
They did not remove the false information off 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
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX Bank XXXX Acct # XXXX and XXXX XXXX XXXX XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX XXXX has violated my rights. 

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

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 2022-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: FL

Complaint narrative:
ASSETCARE ( XXXX ) is reporting inaccurate information on my credit report. According to the FCRA, all information on credit report must be 100 % accurate. I took a screenshot of the account from my IdentityIQ. Assetcare has a incorrect date opened, last reported incorrect, date last active incorrect. I've sent out a debt validation letter with no response. I consulted with a FCRA rights attorney if need be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now past the allotted time for them to respond since I sent this notice and I still haven't gotten an updated response from the agency. The first response I received from them said that the company who they obtained the information from ( XXXX XXXX ) verified the information. I contacted XXXX XXXX and they said it is impossible for them to have verified the information because it doesn't exist on my account! 

Obviously the credit reporting company couldn't have investigated the way they say they did or they would not have come up with the false conclusion. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this 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 explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
This complaint is lodged against Synchrony Bank. Over the past XXXX weeks, Synchrony has cancelled XXXX credit accounts ( Care Credit {$3000.00} limit/ no balance, and Matress Firm {$4500.00} limit/ no blance ), have lowered my credit limits on XXXX cards ( XXXX from {$1000.00} to {$250.00} and XXXX  XXXX credit card from {$800.00} limit to {$250.00} ). All of these accounts were current, and had no missed payments. Synchrony sent me letters identifying why they did what they did. This kind of actions hurt consumers by decreasing their available credit, and increasing their Credit Useage % on their credit reports. I do not have a record of missed payments on any of my credit reports or accounts that are " derogatory ''. Synchrony 's justifications basically boiled down to not paying down enough on my XXXX XXXX mortgage ( refianced in 2021, and too many inquiries on my credit report. They pulled this information from XXXX. My credit score has since taken a hit from XXXX down to XXXX +/- based on the loss of these accounts. I have XXXX other accounts with Synchrony, and am worried they are going to do the same thing to those accounts " based on a review '' of accounts.

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 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now past the allotted time for them to respond since I sent this notice and I still haven't gotten an updated response from the agency. The first response I received from them said that the company who they obtained the information from ( XXXX XXXX ) verified the information. I contacted XXXX XXXX and they said it is impossible for them to have verified the information because it doesn't exist on my account! 

Obviously the credit reporting company couldn't have investigated the way they say they did or they would not have come up with the false conclusion. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this 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 non-monetary relief
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now past the allotted time for them to respond since I sent this notice and I still haven't gotten an updated response from the agency. The first response I received from them said that the company who they obtained the information from ( XXXX XXXX ) verified the information. I contacted XXXX XXXX and they said it is impossible for them to have verified the information because it doesn't exist on my account! 

Obviously the credit reporting company couldn't have investigated the way they say they did or they would not have come up with the false conclusion. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Paid the car off and sent odometer statement..they drag the process out asking for statements again after i overnighted the documents. I want my title

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
TransUnion is the ONLY company that will not remove the fraudulent XXXX XXXX  off my credit report! XXXX has! TransUnion also has done NOTHING to remove all the numerous inquiries that werent mine, false personal information that wasnt mine from my identity theft crisis a few years ago! I have tried snd tried multiple times and the last complaint I filed with you against them they did nothing stating that my report snd requests were unclear! 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 non-monetary relief
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
KIA MOTORS FINANCE Is on my report with a delinquency. I do not own and never have owned a Kia.

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 2022-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
When I spoke to the merchant they said they only received a {$200.00} dispute from TD bank and I disputed {$800.00} or {$850.00} I believe! So TD bank did absolutely nothing to get my money back, the merchant even knows that these charges were duplicated! This is ridiculous TD bank just removed {$650.00} from my bank account no explanation no nothing just a provisional reversal! This is insane and I am completely sick to my stomach that they would take my money without even trying to get it back! I know I am tired of fighting for my money that I know was an error on behalf of the merchant! What is mine is mine and I am extremely upset and disappointed that TD bank would not rectify this as they shouldve have. The merchant stated that they did not send TD bank anything because they never received my dispute for the {$650.00} at all! This is legal robbery and I am tired of going through this with and for my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2022, I received a report from a service that I subscribe to that my social security number had been compromised. I was advised to place a FREEZE on my credit information with the XXXX credit reporting agencies and the XXXX. This was a simple process with XXXX, XXXX, and the XXXX. But Experian keeps redirecting me to something they call a Credit Lock. This is a subscription service for {$24.00} a month. They refuse to allow me to place or manage a FREEZE online. I have to send them a certified letter requesting the freeze. And I assume I will have to do the same to manage the freeze. I am going to send the letter but their approach to my problem just makes things more difficult, and the fact that when you go to their website to request a FREEZE they redirect you to their paid service using similar language in order to deceive people. Experian should not be permitted to operate in this manner.

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 2022-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I purchased a XXXX XXXX  a XX/XX/XXXX from their. The promotion was for 12 months deferred interest - throughTD Bank. I received the product which came with 1 year free of the i-fit membership. I made 11 payments for the total amount {$1100.00} and showed a no balance on XX/XX/XXXX. I did not receive a XX/XX/XXXX statement. When I received the XX/XX/XXXX statement it showed new purchase with the titel " PURCHASE XXXX  FINANCING '' for {$410.00}. I thought this was for the deferred interest. I called on XX/XX/XXXX and told the TD finance rep of the charge. They stay I had to file a dispute online. I filed a dispute on line on XX/XX/XXXX. I received the XX/XX/XXXX bill and the charge is still on there plus a late fee of {$29.00}. While researching the documents for my CFPB complaint, I did discover XXXX emails in XX/XX/XXXX. The first one stated that the i-fit membership was extended for another year. It did not say how much it would cost. There was a second email with and invoice that showed {$410.00}. Most subscription services that auto renew send an email with a charge amount and pending renew day. The first email " extended '' suggest this is and extension of the free trial, not the renewal of the membership at its normal price available to be financed for 12 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Keep receiving phone calls from PORTFOLIO RECOVERY using different telephone numbers including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX And many more. I get multiple calls every single day from Portfolio Recovery. Its very frustrating and they don't even know what its regarding but constanlty have to block these random numbers they keep using.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Synovus Bank
State: GA

Complaint narrative:
On XX/XX/2022 at XXXX I called First Progress to ask why they put a delinquent note on my credit report. They say that they will erase it, but they didn't. That is hurting my credit score. 
The number I called is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I sent on documents to show the Debt cancellation and the documents showing that the US Bankruptcy do not report to any credit bureau and XXXX freeze as well. So they did not pull from this source as well. They refused to to remove. 
Thank you 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 non-monetary relief