vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One is stealing money from the American people. I found out that the mobil app is misleading and the fine print is not transparent... I called and spoke to XXXX employee ID XXXX phone call established on XX/XX/XXXX ending on XX/XX/XXXX 1 hour and 8 minutes on the subject with no resolution. The employee admitted that the app is misleading and not clear. I made a payment in full on XX/XX/XXXX I called to make sure I would not be charged interest since my payment was due on XX/XX/XXXX. The person who picked up said I would not be charged interest however, I still owed a balance of $ XXXX ..... I told the rep I could not see that balance on the mobil app and she advised me that the application which is published by the company is not correct. I asked what that means and here is what I was explained. I was told that the balance is lacking accurate information and I need to wait until the transaction clears to then pay the balance of $ XXXX which, then I would be charged more money on. I told the rep I was not happy and the rep basically told me tooo bad so sad we dont value your business even though you have been with us for 12 years and lost your job to covid-19 ( I worked for XXXX Cruise Lines ) I need to read the fine print and call in even though the application doesn't say the correct price there is nothing that can be done. I told the representative not to make me feel ignorant and I felt belittled even though I considered myself to be ontop of my finances. The rep apologized and still offered no resolution except im sorry next time dont accrue a balance so we dont charge you more money ontop of the money we charge you ..... I told the representative that I didn't appreciate the lack of knowledge and transparency. The rep XXXX was very nice but, didn't offer anything to help. I even asked if a monthly fee could be waived as I have been banking with them since XXXX and she said no. I want the company to understand that if they publish the mobil application the least they can do is provide a section that allows to truly pay in full without double dipping ..... I owe {$7200.00} I pay {$7200.00} but I still owe $ XXXX and now I need to wait 3 days to pay the {$100.00} which then charges more interest so I have to pay more than {$100.00} because of the 3 days ... ... its not fair to the American people especially those who have been banking with this company for many years and have never asked for a waive of fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
The complaint is about the Citibank ( Citibank N.A. XXXX # XXXX, XXXX XXXX XXXX, XXXX, NY XXXX ) my account number XXXX. The bank closed my checking and savings account without my knowledge when the balance was {$17000.00}. The check was sent to somebody in the amount of {$15000.00} who apparently have cashed the check. Even the remaining {$2000.00} are not accessable as I was told the account is already closed. 

My address is XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Social Security : 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 2022-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have multiple accounts with company but for various retailers. I have pep boys, PayPal, and care credit to mention a few. My situation is directed to my care credit. I have been experiencing a lot of situations on my cards and my accounts with your company are having some of the same issues. I feel like there is another person gaining unauthorized access to my accounts I have been requesting copies of my statements since my relocation in XX/XX/XXXX. 
I'm trying to verify what is mine and not authorized. I have also been confused on a few things I have seen. 
I want to verify my profile info for all accts, get statement copies, and find out how my account was changed without notifying me. I would like to get the addresses on file? I want to verify how many cards on each account, make sure there's no virtual cards on acct. 
Most recently, I have been needing to get some major work done on my teeth which I use care credit for. I had opened up my acct info online and noticed that somehow my care credit was changed, the last name was my old last name from a previous marriage that I had returned to my maiden name back in XX/XX/XXXX. I was curious when my name was changed and why? I never had this acct back then and have dealing with a situation where I believe someone is gaining access to my accts and using information to obtain documents which may not be real and have made my credit and ability to use my cards in an emergency like I'm about faced with now a real problem. So I would like to know where it's been used too.

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 2022-02-19 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
On my ChexSystem report, there is an incorrect address. That incorrect address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX. 

I never lived in hte state of New Jersey, Also the account in question is " PAID OFF, '' there fore it should bot be reported in the first place. 

When I asked XXXX XXXX about this - XXXX XXXX sent me a letter stating that they have no knowledge of the mentioned 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 2022-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
XXXXXXXX XXXX  PAYMENT OF {$420.00}, WITH A CONFIRMATION NUMBER OF XXXX HAS BEEN RETURNED BY KIA MOTORS FINANCE. 
PAYMENT WAS MADE XX/XX/XXXX VIA XXXX XXXX OWN PAYMENT PROCESSING SERVICE KNOWN AS " XXXX '' AND INCLUDES A FEE OF {$2.00} cents. 
( PAYMENT WAS MADE FROM A PERSONAL CHECKING ACCOUNT ( XXXX ) OF XXXXXXXX XXXX ). 
PAYMENT WAS RETURNED BECAUSE KIA MOTORS FINANCE HAS ADDED UNJUSTIFIABLE " LATE '' FEES THAT WERE NOT INCLUDED XXXXXXXX XXXX PAYMENT. 
PLEASE SEE PHOTO OF MONEY ORDER MADE FOR XX/XX/XXXX, XXXX XXXX DAYS AFTER THE DUE DATE. 
KIA MOTORS FINANCE CLAIMS THAT PAYMENT WAS RECEIVED AFTER THE XXXX DAY GRACE. 
BUT THE DATE UPON THE MONEY ORDER XX/XX/22 IS WELL WITHIN THE " XXXX XXXX, '' WHICH WOULD BE THE XXXX OF EACH MONTH. 
WHAT GOOD BUSINESS DOES THIS : TURNS DOWN HUNDREDS FOR A " FEE '' LESS THAN XXXX DOLLARS??? 
( SEEMS PETTY AND UNJUSTIFIED TO ME ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: EQUIFAX, INC.
State: SC

Complaint narrative:
EQUIFAX, XXXX AND XXXX BROKE THE LAW PURSUANT 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE THEM WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX THERE ARE 5 NEGATIVE REPORTING TRADELINES THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT.. I WOULD LIKE TO STATE THAT PURSUANT 15 USC 1681 ( a ) ( 1 ) that THE BANKING SYSTEM IS DEPENDENT UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING EQUIFAX, XXXX AND XXXX TO REPORT THESE INACCURACIES IT HAS CAUSE ME TO LOSE CONFIDENCE IN THE BANKING SYSTEM. AS THE CONSUMER, CREDITOR AND NATURAL PERSON ANY NEGATIVE REPORTING ON MY CONSUMER FILE WILL CAUSE UNJUST FINANCIAL HARM AND DEVESTATION TO MY GIVEN BIRTH RIGHT AFFORDED TO ME BY THE ONE TRUE ONLY MOST HIGH GOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX, XXXX AND TRANSUNION BROKE THE LAW PURSUANT 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE THEM WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX THERE ARE XXXX NEGATIVE REPORTING TRADELINES THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT.. I WOULD LIKE TO STATE THAT PURSUANT 15 USC 1681 ( a ) ( 1 ) that THE BANKING SYSTEM IS DEPENDENT UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING XXXX, XXXX AND TRANSUNION TO REPORT THESE INACCURACIES IT HAS CAUSE ME TO LOSE CONFIDENCE IN THE BANKING SYSTEM. AS THE CONSUMER, CREDITOR AND NATURAL PERSON ANY NEGATIVE REPORTING ON MY CONSUMER FILE WILL CAUSE UNJUST FINANCIAL HARM AND DEVESTATION TO MY GIVEN BIRTH RIGHT AFFORDED TO ME BY THE ONE TRUE ONLY MOST HIGH GOD.

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 2022-02-19 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: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XX/XX/XXXX, Transunion the fair credit reporting act XXXX XXXX Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX  ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( XXXX ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( XXXX ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( XXXX ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( XXXX  ) the information is, in fact, inaccurate. I HAVE CONTACTED XXXX XXXX XXXX and notified them about the inaccurate reporting on my Transunion credit report. They responed with a letter. It clearly show the CLOSED DATE : XX/XX/XXXX, Transunion is reporting XX/XX/XXXX. As the law states above if a consumer notifies a person/company about a inaccurate report. A company CAN NOT FURNISH information relating to a consumer to any reporting agency if the person/creditor knows the information is inaccurate. XXXX XXXX XXXX IS NOT PROVIDING ACCURATE INFORMATION TO TRANSUNION. Therefore this account must be DELETED.

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 2022-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Sent letter on XX/XX/22 notifying ars of non compliance with the FDCPA They received my letter on XX/XX/22 I received a response on XX/XX/22 This letter did not address the non compliance of the FDCPA. Letter was a verification of debt. 

Sent double email to XXXX on XX/XX/22 with attention for legal department It is now XX/XX/22 no response via email

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 2022-02-19 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo continues a recurring charge of {$200.00} weekly for the past 5 months after Ive informed Wells Fargo Ive never approved or have made any transactions with such merchant. I have informed Wells Fargo via telephone when spoken with them via fax and they the united postal service which Ive sent a letter informing them of such unauthorized uses on my account and to restrict such charges from the merchant by hello fresh. Wells Fargo continues to allowed such charges and is approving them without my knowledge or permission. Wells Fargo has failed to fallow their security fraud prevention in my account after Ive reported to them for merchants XXXX XXXX and XXXX charges along other reported transactions starting in the month of XX/XX/2021 also ignored my request to replace my debit card..

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 2022-02-19 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: MD

Complaint narrative:
I had previously requested a payment history of our closed account from the provider and have attached the that part of the payment history that covers the period that our loan was with XXXX XXXX  XXXX. This payment history is being attached to have the credit bureaus correct the inaccurate and incomplete data that they are reporting. 

At present our closed XXXX  account is only showing seven ( 7 ) of the seventeen consecutive payments that was made from XX/XX/XXXX to XX/XX/XXXX. The account is also not showing the correct monthly balances, considering the account started at {$190000.00} and should have been descending based on the consecutive monthly payments that were paid each of those seventeen months to a closing balance of {$180000.00}

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 2022-02-19 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: MD

Complaint narrative:
I had previously requested a payment history of our closed account from the provider and have attached the that part of the payment history that covers the period that our loan was with XXXXXXXX XXXX XXXX. This payment history is being attached to have the credit bureaus correct the inaccurate and incomplete data that they are reporting. 

At present our closed XXXX  account is only showing XXXX ( XXXX ) of the XXXX consecutive payments that was made from XX/XX/XXXX to XX/XX/XXXX. The account is also not showing the correct monthly balances, considering the account started at {$190000.00} and should have been descending based on the consecutive monthly payments that were paid each of those XXXX months to a closing balance of {$180000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: MD

Complaint narrative:
I had previously requested a payment history of our closed account from the provider and have attached the that part of the payment history that covers the period that our loan was with XXXX XXXX  XXXX. This payment history is being attached to have the credit bureaus correct the inaccurate and incomplete data that they are reporting. 

At present our closed XXXXXXXX  account is only showing seven ( 7 ) of the seventeen consecutive payments that was made from XX/XX/XXXX to XX/XX/XXXX. The account is also not showing the correct monthly balances, considering the account started at {$190000.00} and should have been descending based on the consecutive monthly payments that were paid each of those seventeen months to a closing balance of {$180000.00}

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 2022-02-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
SPS provided a letter dated XX/XX/2021, stating that " your obligation has been discharged under the United States Bankruptcy Code ''.

If this is the case, then why has the account not been closed and the lien released please? I truly do not comprehend this.

Furthermore, SPS was also defaulted out yesterday on a Quiet Title suit so what exactly is their interest in my chattel property and what exactly is owed?

Please provide a True Bill or accounting showing a -0- balance and send the lien release.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I supplied Transunion with proof that ALL of my child support debts were paid off in full and were closed. Transunion erroneously added child support account BACK on my credit report that was not there before thereby causing a grave error and this is affecting my credit. Instead of removing the child support they ADDED child support? How can this be when ALL accounts were paid in full. To make matters worse child support is way too old to be on my 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 non-monetary relief
Consumer complaint received 2022-02-19 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: PA

Complaint narrative:
There is a incorrect hard inquiry showing on my credit report for Equifax. 

XXXX - XX/XX/XXXX Two letters were sent from the company, XXXX XXXX XXXX, who confirmed this was done in error since I do not have any accounts with them. 

Equifax mailed a dispute letter incorrectly stating that the inquiry did not reflect on my report. 

However, that is false since it is listed as XXXX on my report from XX/XX/XXXX. 

I would like the matter to be resolved by removing the inquiry off my file since the company has confirmed this and so have I. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
According to my XXXX XXXX car account, the entire car actual and monthly payment history is not showing on my Transunion account. This has been an ongoing and over and over event on another credit provider, where the account has been deleted and then various forms or not showing the actual monthly payments that were made

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