vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-08 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: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have an active complaint ( Claim # XXXX ) with Bank of America and have discovered from their internal messaging that the claim has been paid ( {$3500.00} ) however only about a third has been paid.. 

Yes, I get COVID # Fakedemic has slowed things down ; but I've not had access to this $ $ for 4 months!! Now they claim to have paid, but not even claose to the amount taken from 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 monetary relief
Consumer complaint received 2020-06-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
Hi, I submitted an application to open an online savings account on XX/XX/XXXX with HSBC. The advertised APY was 1.55 %. When I created the account on XX/XX/XXXX, I used the HSBC live chat to confirm the 1.55 % APY regardless of amount, whether it was $ XXXX or $ XXXX. The customer service agent confirmed my understanding. The application was approved on XX/XX/XXXX and was initially funded with {$1000.00}. The first account statement for XX/XX/2020 - XX/XX/2020 showed an APY of 1.29 %. On XXXX, I received an email that the APY is being further lowered to 1.01 %. 

In a matter of 2 weeks, they've lowered the APY 55 bps. I can't close the account within the first 180 days without a {$25.00} cancellation fee. This bank is luring people with false terms and robbing them of their savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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:
After i was notified of a credit score decrease, i disputed the report, explained the situation and provided the Trans Union and the XXXX all the necessary proves ( Bank Account statements ) that i have no payment due at the account which did the report, I submitted the documents in two forms, by post and by uploading on their page.

I waited one month for the investigations but in the reports it wasn't mentioned any of the facts i provided. So there was no result, it shows only that i don't miss a payment but they didn't correct my score. 
In XX/XX/XXXX my score was XXXX. After the XXXX XXXX XXXX made the report for delinquent account it went XXXX down. 
The XXXX XXXX, reported a delinquent account because they made an unauthorized payment in XXXX and XXXX, which brought my account negative. I had authorized an auto pay for XXXX, and in XXXX I was using a different bank to make payments. 
I dint have access at the account because i was overseas and didn't expect from them to make a payment.In XXXX i was Infected by Co-vid 19 and wasn't able even to think about it.After i found out, I asked them to cancel the payment because i had done it from a different account. So they did and canceled all the fees related to this, and the account went current.I contacted the bank, to send the Trans Union and other companies they had informed, a letter of deletion but they denied! So i submitted the bank statements to the Trans Union, Still they denied to correct the score even though they see that it was done mistakenly and the bank brought the account current it self by canceling the transaction. 
In the attachment, is the proof of the transactions done and cancelled by the XXXX XXXX XXXX, The payment rate is XXXX $ done at the 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 2020-06-08 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: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

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 2020-06-08 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: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

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 2020-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bepensa Capital, Inc.
State: MD

Complaint narrative:
XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from AFS ACCEPTANCE located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
Twice, I have requested The Huntington National Bank to remove the credit inquiry from my credit report even after I provided everything they requested. As of today, the credit inquiry has not been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
i made payments on this student loan with XXXX XXXX XXXX XXXX XXXX for 10 yrs and i now owe more than i borrowed.. have attempted to get copy of all payments and where money went without success..i have filed bankruptcy in XXXX was told did not want debt added to my bankruptcy but made separate..says i owe over {$8000.00} but will take XXXX over 60 months..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
transunion is the only beaureu that I cant put a freeze in my credit report. 

Always the page came with this message. 

he TransUnion Credit Freeze Service is temporarily unavailable. 

Please try again later. If you need immediate assistance, please contact our Consumer Relations team at XXXX, open Monday through Friday, XXXX XXXX. to XXXX XXXX. Eastern Standard Time.

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 2020-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC
State: NC

Complaint narrative:
I received the attached letter on XX/XX/2020 from the said company ( XXXX XXXX XXXX ) stating that I have a debt that I have no knowledge of. The letter states that I have an outstanding balance of {$1200.00} with XXXX XXXX as the Original Creditor and the Current Creditor as Pinnacle Credit Services , LLC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX I applied for financing at my local furniture store. I submitted an application to Synchrony Financial and my application was denied. I did receive an immediate notification from my credit monitoring system stating that my credit had been accessed. Today, XX/XX/XXXX, I received the denial letter which states that " no credit report was found ''. They improperly used my credit report but accessing it and basing their decision on the fact that they allege they couldn't access it.

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 2020-06-08 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: CA

Complaint narrative:
This is a follow up complaint to complaint number XXXX which has been closed. I have had additional interaction with Capital One and the dispute has not been resolved to my satisfaction. In a very brief summary of the case, my husband used a Capital One Visa to pay for a ride from the airport in XXXX, XXXX to a hotel. He was told the card was declined, but our card was billed {$1200.00}. He paid {$40.00} in cash, which we have no receipt for. After I filed my initial complaint with you, Capital One refunded {$1200.00} to our account ( the original amount minus the {$40.00} quoted to us for the transport since we could not document our cash payment ). In a letter dated XX/XX/2020, they said they asked the merchant to respond to my claim. I just received a letter that they are billing the entire {$1200.00} to our account again ( not even giving us credit for the {$40.00} I have already paid ). They are willing to provide us with {$200.00} as a reward for our loyalty, etc. After speaking to four people today, I was informed that the merchant was not asked for and does not need to provide any justification for the amount of the charge since we could not provide a receipt for {$40.00} paid in cash or an invoice. Apparently there is no further dispute process if you do not have a receipt. I do not know if we would have had additional dispute options if my husband could have successfully gotten out of the car so that we could have legitimately claimed that he got no service. The scam was successful in that they pulled over right outside the airport, asked for his card and refused to return him to the airport after telling him the card was declined. It seems that scammers are reinforced for their bad behavior because they are not required to provide any justification for their charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Midwest Recovery Systems
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: NY

Complaint narrative:
block fraudulent account from credit report due to identity theft XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX  {$87.00} XXXX XXXX {$8900.00} XXXX {$9400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: CA

Complaint narrative:
I applied for a house I am trying to rent today XX/XX/20 and when my credit report came back I was told that I did not qualify due to having several accounts reflecting badly on my credit. I had no idea what accounts it could be because I have never let any of my accounts or loans go negative. I looked through my report and I saw about six accounts that I never opened. Those accounts do not belong to me and I did not give anyone permission to open them in my name using my personal information. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I contribute to any payments made towards any of these accounts. I have already filed a police report regarding these unauthorized accounts as well as a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
I do not owe CONVERGENT OUTSOURCING in the amount of {$1000.00}. Requested debt validation, company has not responded.

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 2020-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequoia Financial Services
State: CA

Complaint narrative:
I contact the company that representing this collection account I try to negotiate a offer to pay this account all at 50 % and they refuse they are saying that is showing for collections account and its only showing three collections account on my credit report this is affecting my credit and Ive been trying to get this taken care of for several years and theyre charging me a daily feed it only showing three collections account and theyre stating that is a total of seven its not seven showing on my credit report is only showing three I am trying to pay this accounts off

Company response to consumer: Closed with explanation