vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-15 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: LA

Complaint narrative:
Transunion is in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) which states the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

Transunion is in violation of 15 USC 1681a ( e ) which states that a consumer report which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. Transunion NEVER did such interviews with any neighbors, friends, etc.

Transunion is in violation of 15 USC 1681a ( 2 ) ( B ) which states that the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The term credit card pursuant to 15 USC 1602 ( l ) means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This only a few violations that states how Transunion violated me as a consumer.

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 2021-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted the companies, making them aware of the incorrect information on my report. I have asked the companies to verify and update my report as soon as possible.

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 2021-01-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Late payments XXXX, XX/XX/2020 capital One bank USA Late payment XX/XX/2020 XXXX XXXX  These cards are business accounts used for Counseling Solutions, a counseling health care business in XXXX, Texas. 

During COVID we were closed for two months until we could service clients online. The payments were caught up immediately when we returned to the office late XXXX, 2020. 

I have spoken to the companies and appealed these items since they destroyed by credit score. Both ascertain COVID is no reason to not pay ; I also explained that I had called each business at the end of XXXX to let them know the payments would be late. The Customer a service Reps told me to do what I could to pay ( whatever that meant ). 

I had exceptional credit history before these. 

Please help me resolve these horrible marks on my credit report ; these businesses will not help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2021 I deposited a check issued by the Department of Industrial Relations stamped and sealed with The Great Seal Of The United States of California and State of California XXXX MA CPA Treasurer to my account mentioned herewithin Capital One 360 Checking account. Upon successful signing over, submitting photo copies of front and back with proper endorsement to the receiving bank, Capital One 360 Checking account, the account was temporarily adjusted with two installments of {$1000.00} ( pending ) and {$4000.00} ( pending ) with a deposit {$5000.00}. I, XXXX XXXX, later received a email notice that since the check was received after their processing time on Eastern Standard time, the check will be processed the following business day which is why the account now reflects XX/XX/2021 instead of XX/XX/2021. Still to this date and forward, the check has not been issued. This account that has been mentioned herewith is not a newer account less than 30 days but almost a year old. No suspicious activity has never occurred on this account whatsoever nor have I ever made any negative balances that would ring the additional provisioning. Attached hereto you will see Exhibit A, B, and C of Screen shots of the pending transactions. After communicating on the Phone with them directly and even requesting them to no longer process the check which they happily declined as well, I was told that by it being submitted digitally, they supercede the Federal Laws on availability of funds. 
" Banks can delay the availability of funds on Treasury checks when people deposit them into accounts less than 30 days old, or into accounts not owned by the payee. Proceeds from large dollar checks are split, with the first {$5000.00} not subject to delay. But balances in excess of that are held for up to seven business days. '' Again, what seems to be the problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
A written debt validation request was sent to Innovative Recovery Inc and it was received on XX/XX/2020. They have not provided a response back via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
XX/XX/XXXX - approved for new Citi Double Cash credit card XX/XX/XXXX - still did not receive card so called. Recording asked for full social security number ( not just last 4 digits ). Recording stuck me in a loop as I don't want to enter my full social. Representative answered and also requested my full social security number. I said no and that I was fairly certain it was illegal for her to have that kind of access. 
XX/XX/XXXX complained via survey regarding the social security number issue XX/XX/XXXX complained via chat to Citi agent " XXXX '' as no follow up had occurred from Citi. XXXX logged a complaint report but did not advise if/when I would hear follow up and how my concerns about this security issue/breach of privacy will be remediated. I was provided with a case number - XXXX - but do not feel confident that Citi will take steps to protect its consumers.

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 2021-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: KY

Complaint narrative:
I have had SEVERAL problems with Netspend. I close accounts. They never close them or refuse to send me a letter showing accounts were closed. I have had SEVERAL A HINDREDS of dollars in disputes. I have yet to get any credit returned. I am told so ething different every time I call. I am argued with lied to hung up on placed on hold for 3 hours sometimes. I am furious!!!

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 2021-01-15 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: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, NORDSTROM/TD BANK USA add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XX/XX/2020 and XXXX XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XX/XX/ 2020 and XXXX XXXX, 2020, AMEX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
on XX/XX/2020 I am XXXX XXXX entered a consumer credit transaction in which I was the creditor and the seller with chrysler capital. Because there was a finance charge involved pursuant to 15 usc 1605 they were not permitted by law to take a cash down payment because the finance charge is the sum of all charges. They still took a cash down payment which means they are liable to me in the amount of double the finance charge. They also never gave any material disclosure disclosing that it was an attempt to collect a debt, at the initial communication in this consumer credit transaction which is a violation under 15 usc 1692e. Also, XX/XX/2020 Chrysler Capital issued a statement/ bill in the mail and on the envelope/statement it has their logo, which is also another violation of 15 usc 1692. The statement also shows a positive balance that they say I allegedly owe, which is also a violation of 15 usc 1692. If it is something I owe it should show in a negative balance. The first time they violated 15 usc 1692e ( 2 ) was at the initial communication of the consumer credit transaction, when the retail installment contract show 3 different amount owed : finance charge {$8700.00}, amount financed {$12000.00}, total of payments {$21000.00}. Lastly, the statement/bill should not say it is a attempt to collect a debt which is a violation of 15 usc 1692b. ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
This is an ongoing problem for users sending virtual currency to the company Coinbase ( " a digital currency exchange '' ). On XX/XX/20 I made a deposit to my Coinbase account which was confirmed completed at XXXX for a transaction of XXXX Ethereum to my Coinbase account which has a current market value today of approximately {$52000.00}. I have yet to receive the funds in my Coinbase account. After reaching out to there customer support team, they do not have live agents to speak to only automated email responses informing that they can not help me at this time as the transaction was performed on another network and they can not access it. This is not true as other exchanges ( Liquid ) have assisted their users in retrieving the funds for them. The funds are on their servers and they are not willing to assist in crediting or resending back the asset.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

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 2021-01-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
I lost my job due to Covid in XXXX of 2020 and entered the forbearance programs for a second mortgage, a primary mortgage, and two car loans all with different institutions. After obtaining a new job, the primary mortgage and car loans have been successfully removed from forbearance and I am current on payments. We have been attempting, since I believe XXXX of 2020, to resolve the forbearance on our second mortgage. Due to a sequence of missteps from the lending institution we have been unable to successfully resolve the situation. 

In theory the current state is that the mortgage is in review to append the current past due amount to the end of the loan. This was in theory sent to an underwriter on XX/XX/XXXX with a 30-45 day turnaround time. I spoke with the bank again on XX/XX/XXXX and they told me to call back in a week or two, bringing that review to up to 60 days. 

At this point I don't believe them because in previous conversations they claimed we were at the same state several times, and they claim that I turned down the modification. I did no such thing. I am concerned that they will again lose the current state and we will have to start all over again.

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 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Preferred Finanical Services Corporation
State: CA

Complaint narrative:
On XX/XX/14 I asked XXXX XXXX if interest rates have lowered again to make a refinance worth it. 

Before answering any questions he ran my credit. I did not authorize him to run my credit report. 

XXXX XXXX Mortgage Broker, Insurance Broker NMLS : XXXX - XXXX : XXXX - XXXX : XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX XXXX  XXXX XXXX, # XXXX XXXX XXXX, CA XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
I have sold cryptocurrency on binance exchange, then when i have received my money ( direct payment on my PayPal account ) next day buyer made charge back of money with reason " unauthorized transaction '' ( no money, no cryptocurrency ), support of PayPal not helped me, support of XXXX not respond, i don't know what to do and if i can't receive my money at least punish person that made this with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: Nicholas Financial Inc.
State: AL

Complaint narrative:
on XX/XX/XXXX, i sent XXXX XXXX XXXX letter regarding the alleged debt of {$8100.00} that i do not owe and i haven't receive anything.I sent another letter on XX/XX/XXXX to them requesting information with the same concerns and they haven't replied.this inaccurate item is damaging my credit and stoping me from getting a house.I have attached copies below of the letters that i has sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a PAID Charge-Off with XXXX XXXX XXXX that I have been disputing with the bureau continuously since XX/XX/2020! I sent a second dispute on XX/XX/2020, after the bureau did not correspond with me ( I am aware that they have 45 days, and I am STILL waiting for responses from them ).

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 2021-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armada Corp.
State: FL

Complaint narrative:
I recently checked my credit score and saw that there was a medical debt from 2019  on it from WA. I havent even lived in WA for over 2 years. 

I sent a letter through certified mail on the XXXX of XXXX to the collections agency requesting proof of the debt as well as more details and still have not received a response. I have a receipt showing when I sent the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: MARINER FINANCE, LLC
State: MD

Complaint narrative:
I applied for a loan and was informed that only 1 credit check was needed. I consented to that, however it was ran on the XXXX as well as XXXX of XXXX. The assistant manager ( XXXX, MD Office ) told me it was not ran twice, even though there are clearly 2 inquiries on my report. I was on the phone informing her that it definitely was and stated the addresses reflecting on both inquiries. It was one from there corporate office and one from their XXXX, MD office. Equifax also confirmed it was ran on those 2 days as it is reflected on my report. I simply want the additional inquiry removed. There should only be one inquiry from this company, which would be th XXXX.

Company response to consumer: Closed with explanation