vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-12 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Santander Consumer USA Account # XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX {$10000.00} Account has been closed, charged off as bad debt and written off as bad debt. I have sent 3 letters for the deletion of this inaccurate information. I do not owe {$10000.00}. The car was sold at auction and I do not owe this amount that has been reporting for more than a year. 

Under The Uniform Commercial Code, N.J.S.A. 12A : 9-610 ( b ), whereas the lender is not entitled to all of the money it seeks because the sale was not commercially reasonable and, as a result, the sale price was unreasonably low.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I was shopping at XXXX in XXXX at XXXX XXXX  on XX/XX/2020. When I finished shopping and went out of XXXX, I found that 4 cards in my wallet were missing. One of them was a Bank of America card. I opened it XXXX XXXX, I found that my card ending in XXXX had been swiped for three {$1.00}, {$13.00}. {$78.00}. I immediately called the bank and asked the bank to freeze the card, but because of my poor English, the customer service did not freeze My card. As a result, my card was later swiped for {$260.00}. I saw that the merchant who swiped the card was the XXXX where I was shopping. I came to XXXX again and told the staff that my card was stolen and I wanted to check the surveillance. But the worker in XXXX said i had no rights to check the surveillance and asked me to report to the police. I called XXXX. The police just gave me an Incident report RP XXXX, XXXX Police Department telephone number XXXX XXXX XXXX XXXX 
On XX/XX/XXXX, Bank of America refunded the money, but two days later, for various reasons, it said that it was the card authorized by myself or myself, and the money were swiped away agian and refused to refund by BOA. 
When the end number XXXX card was stolen, I knew that the balance in the card was {$520.00}. If I did this, I neednt have to try to pay {$1.00}, {$13.00}, {$78.00}, and then {$260.00}. I can pay {$500.00} at a time. 
And i have thousands of money in BOAI opened this credit card and deposited a deposit of XXXX until XX/XX/XXXX, XXXX.Why i cheat for {$350.00}? But the BOA think i did that, it insult my personality. That why i writer here.

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 2020-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I HAVE DISPUTED THIS ACCOUNTS OVER 4 TIMES FOLLOWING EVERYTHING THAT HAS BEEN ASK FROM ME, HOWEVER I HAVE ASK 3 TIMES FOR TRASUNION TO PROVIDE VERFICATION OF THIS ACCOUNTS BEING MINES WHICH TRASUNION HAS FAILED TO PROVIDED. *** ALL THE ANSWER I GET IS " ACCOUNT HAS BEEN VERIFIED AS ACURRATE ''. WITH NO VERIFICATION PROVIDED.. THIS ACCOUNTS ARE NOT MINES. PLEASE DELETED THIS CCOUNTS OF M CREDIT REPORT AS IT'S AFFECTING MY CREDIT REPORT AND IT NOT RIGHT. 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 2020-10-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I went to Sam 's Club in XXXX CA XXXX XXXX XXXX XXXX, on Thursday XX/XX/2020 to purchase an item. I already have a Sam 's Club Plus credit card. I was approached by a representative and was asked if I was interested in upgrading my credit card. I had informed her that I was not interested but we continued to speak. I informed her that I was not interested in opening a new account she replied that it was only an upgrade to a Mastercard. I was very specific with her and told her several times that I did not want a new account that I only wanted the upgrade. If it was a new account then I did not want it and I was not interested. She kept on informing me that it was just an upgrade. I asked her what would happen to the current balance that I have on my Plus credit card. She informed me that it would fall over to the new Mastercard. I just received a notification email from XXXX  that a new account was opened. I went in to check and it's the new Mastercard account. I do not believe the blame should be on the bank or on Mastercard. I am very upset because the representative mislead me and straight out lied to me several times. I now have a new account that I did not want.

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 2020-10-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
1. XX/XX/2020 Deposited {$250.00} check electronically to Capital One 360 savings account.

2. Early XX/XX/XXXXNoted that the check did not show up in the list of transactions, so attempted to re-deposit electronically and got the message that it had already been deposited.

3. Early XX/XX/XXXXCalled Capital One to describe the problem and they said they would research the problem and get back to me. 
4. About XX/XX/XXXX After not hearing back from Capital One for 2 weeks, called Capital One to describe the problem again and they said to send the check with the account number where it was to be deposited on the back. I did so immediately. 
5. XX/XX/XXXX Check was deposited at the Branch Office then the Branch Office made a Transaction Adjustment removing the deposit. 
6. XX/XX/XXXX Received a letter stating, We discovered your deposit to account ending in xxxx didnt match the amount listed on the original receipt. Youll see an adjustment of {$250.00} reflected in your account transaction history and on your statement. 
7. XX/XX/XXXX Called Capital One to describe the problem again and was told that they would look into it and get back to me. 
8. XX/XX/XXXX Called Capital One again to ask for a status update. After 25 minutes on the phone they said that they were still looking into it and would get back to me. 
9. XX/XX/XXXX Called Capital One again to ask for a status update. They said that the adjustment team wasnt working on the weekend and that I could call back during the week and the adjustment team could process. 
10. XX/XX/XXXX Called Capital One again and spoke with XXXX, but I had to leave the call due to another meeting. 
11. XX/XX/XXXX Called Capital One again and spoke with XXXX. She said perhaps we had deposited the check into another account and I should triple check with the primary account holder. I did so. He does not have any other account that he deposits checks into. 
12. XX/XX/XXXX Called Capital One again and spoke with XXXX. He said that he put in a request to the adjustments team to re-deposit the check to our account and it may take up to 3 business days to show up on his account. Well, it never did. 
13. XX/XX/XXXX Called and spoke with XXXX. I said this was the last time I was calling on this issue. He again asked if the primary account holder had deposited the check to a different account. I said no. He said that he was escalating it to a higher level and someone would be calling me back. Really? Nobody has EVER called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: DISCOVER BANK
State: CA

Complaint narrative:
I have incorrect inquires on my credit report that are were not authorized. They have negatively affected my credit report. Below are the unauthorized inquires. 

XXXX  XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX  XXXX XXXX  -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX/XXXX  -- XX/XX/XXXX XXXX/XXXX  -- XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX/XXXX  -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have incorrect inquires on my credit report that are were not authorized. They have negatively affected my credit report. Below are the unauthorized inquires. 

XXXX  XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX CAP ONE NA --  XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX CAPITAL ONE -- XX/XX/XXXX XXXX XXXX  XXXX -- XX/XX/XXXX XXXX/XXXX -- XX/XX/XXXX XXXX/XXXX  -- XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX CAPITAL ONE -- XX/XX/XXXX CAPITAL ONE -- XX/XX/XXXX XXXX/XXXX -- XX/XX/XXXX XXXX XXXX  XXXX -- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent 3 letters to the credit bureaus : XXXX, Transunion and XXXX  bur they don't update the informations on my credit report, and don't remove things that I already paid.

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 2020-10-12 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: ERC
State: NJ

Complaint narrative:
ERC : Enhanced Recovery Company Account # XXXX {$730.00} Opened : XX/XX/2020 ( FALSE ) Status is Open and reported on XXXX  and XXXX   ACCOUNT HAS BEEN DELETED BEFORE Reported account is reporting false information. I never opened an account with XXXX XXXX XXXX or ERC on XX/XX/2020. Account was deleted before as inaccurate but has been reported again. Predatory reporting by means of false dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2020 I signed up for a fencing project through Home Depot and they assigned one of their contractors XXXX XXXX. At which time they were offering a promotion for 24 month XXXX financing. I noticed a {$2400.00} charge on my credit card statement and 12-month no interest financing. On, XX/XX/2020, I reached out to Home Depot customer service and explain to an agent by the name of XXXX that I was supposed to be on a 24 month no interest financing promotion. The service agent corrected my account to the 24 months and told me that I would not be charged until the contractors had started the work But, a week later I received a letter in the mail that stated something diffent from what we discuss and now Home Depot is asking for a payment Which eliminate some of the time on 24 month promotion. I am having an issue with this because no work has started nor did I have a start date of service as promised by the service agent. So, today XX/XX/2020 I contacted Home Depot because of the letter which was not what we discussed and spoke with a supervisor by the name of XXXX and he told me to cancel the order, which he should know that if we cancel the order we would be charged a cancelation fee for the company and would be taking a loss of {$150.00} for a work permit that I was told had to be purchased.

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 2020-10-12 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXXXXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.

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 2020-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
I am complaining because there are many violations to my consumer rights that XXXX is committing. Account information : Opened : XX/XX/XXXX, High balance {$190.00}, original creditor : XXXX XXXX XXXX. I am demanding Sequium to cease and desist from all collection activity pertaining to this account. 

These are my reasons : - The account has been re-aged. 
-They have failed to provide debt validation letter sent on XX/XX/XXXX. 
- They have ignored my requests and have also failed to investigate. 
- They are reporting discrepancies across bureaus. 

All this have make my score to drop month by month. I have not ben able to obtain loan due to this. All I am asking is the item to be removed as a compensation for all the damages that they have caused to my credit and personal life. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: NY

Complaint narrative:
I sent 3 letters to the credit bureaus : Equifax, XXXX  and XXXX bur they don't update the informations on my credit report, and don't remove things that I already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: NY

Complaint narrative:
I sent 3 letters to the credit bureaus : XXXX, XXXX  and Experian bur they don't update the informations on my credit report, and don't remove things that I already paid.

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 2020-10-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent the company notices this is a debt that I don't owe and the account was from the result of identity thief from XXXX to XXXX. I have provided the police report, a report from FTC, etc ... Also informed them that the info they have on my report needs to be blocked and deleted. They have not removed items and find them to be in violation of several codes. I have sent proper notifications in a timely manner giving them ample time to remedy the issue. They have failed to remedy the matter and have not provided me of any documents which would verify why they would have these negative marks on my report which is causing economic harm. I have sent and recorded all correspondence that was sent certified mail for my records. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX  date opened XXXX account # XXXX amount XXXX date opened XXXX and account # XXXX amount XXXX address : XXXX XXXX XXXX XXXX XXXX, Ma 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 2020-10-12 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: Dovenmuehle Mortgage, Inc.
State: NY

Complaint narrative:
To whom it may concern, My mortgage loan is with with Dovenmuele Mortgage - XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, Illinois XXXX. This complaint is due to a discrepancy within my credit which was reported by Dovenmuehle. After several telephone calls and conversations, customer service representatives state they do not have access to, or can not see, my credit report and therefore can not correct this mistake. I have emailed Dovenmuele six times regarding this error. 

The company has been adding delinquent charges to my credit report for months. I received a letter in the mail on XX/XX/2020 explaining that the Company has transferred my Dovenmuele mortgage to another mortgage company. While I accept the changes, the company has reported the sum transferred as a delinquency on my credit report. Dovenmuele has also reported an erroneous amount of {$250000.00} in delinquency when the amount owed is for the sum {$23000.00} XXXX this was the amount transferred to the new mortgage company ). Additionally, Dovenmuele has failed to report my account in good standing for the months of XXXX, XXXX, XXXX and XX/XX/2020. 

I have contacted Dovenmuele regarding these issues on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2020 and Dovenmuele still has not rectified the problem. Instead, the issues are now heightened. Since my last emails, Dovenmuele has been adding further negative credit reportings on to my credit rating status ; in turn putting further stress on my financial situation. I have been affected by COVID and my family has had a loss of income. This situation with Dovenmuele has placed further financial hardship in our lives since my credit report is now showing delinquency. Asdefined by the CARES Act, a Mortgageservicer or creditor is required to report an account in forbearance as current. This has been referred to asan accommodation under the Cares act and quoted by the Consumer Finance Protection Bureau.Dovenmuele is breaking the law under The Cares Act and refusing me an accommodation that is  being provided to so many other patrons. 

I am requesting that Dovenmuele send a correction report in the areas mentioned above to the 3 credit bureaus XXXX, XXXX and XXXX as soon as possible so that my credit report may once again be in good standing. 

Thank you for your support in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.

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 2020-10-12 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am disputing erroneous reporting information on my credit file that is adversely affecting me. I would like a lawful investigation according to the FCRA to resolve my issue.

Company response to consumer: Closed with explanation