vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: MS

Complaint narrative:
I.C. Systems has damaged my credit and defamed my credit by doing the following : 1. Did not send me communication, informing me of my rights to dispute this alleged debt within 30 days.

2. Did not send me proper validation when I requested, proving that I owe the alleged debt and that they have a contractual obligation between myself and this company, proving that they have the right to collect on this alleged debt, on the behalf of the original creditor.

3. They had violated my rights under the FDCPA 809 ( b ) : Collectors that have not validated your debt, but they still continue to report to the credit bureaus, which is punishable by up to {$1000.00} for each proven violation.

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 2019-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander Consumer has committed unaffair business practices and scheme, fraudently sale contract practice for car loan. I have made over {$10000.00} on the vehicle and a {$4000.00} deposit the company refuse to adjust the payment {$19000.00} has stay the exact same for 2 yrs as of XX/XX/XXXX not matter what substaniel payment are made they just don't change the balance current or late. They charge a hidden fee 18 % daily even after collecting {$440.00} amount and XXXX but will never change the balance no matter what payment are being made at all just a complete scam. Santander Consumer investors pool are greedy and doesn't have the best interest for the customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: CO

Complaint narrative:
I have continued to have trouble with making my payments with Money Lion. My trouble has been because I can either pay the loan in full or I am forced to call them and they are impossible to get a hold of. I needed to switch my payment card number because I had a new card. It was impossible to get a hold of anyone to change my payment info. I emailed them on XX/XX/XXXX and was able to change my payment info finally on XX/XX/XXXX. Once I got a hold of them I made all payments and the account was brought current XX/XX/XXXX. Since the payments on XX/XX/XXXX they have had my current and new payment info and have not taken the payments out when they were suppose to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITY NATIONAL BANK
State: NY

Complaint narrative:
I have been told that my credit card application has been declined through email from a banker at City National Bank, so I am waiting for the official decline/rejection letter, but it has been 22 days and I didn't get the decline/rejection letter. I tried to contact the bank who told me the application is not approved and tried to ask the official mail twice. He never replies it me anymore. 

XX/XX/2019 : I have been told my credit card application is not approved by XXXX XXXX XXXX, Vice President/Relationship Manager from City National Bank. 

XX/XX/2019 : I didn't get the official decline letter, so I follow up with XXXX and told him I didn't get the decline letter. He didn't reply me. 

XX/XX/2019 : I still didn't get the official decline letter, so I follow up with XXXX again and he didn't reply to me. 

As of today XX/XX/2019, I still didn't get the official decline letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XX/XX/XXXX I mailed a letter to the credit bureaus requesting all unverifiable, unauthorized inquiries be removed from my credit file, as there were many credit inquiries which I had no knowledge of, nor did I ever authorize. The credit bureau has since refused to delete any and all unverified, unauthorized credit inquiries. This is a direct violation of the FCRA and I ask that they be investigated and appropriate action be taken to remove all unauthorized, unverifiable inquiries from my credit report. I also request that the credit bureau send me a current copy of my credit file showing the inquiries fully removed that they are unable to properly verify with supporting documentation for the inquiries they are able to verify. Their failure to follow procedures and the law should not be overlooked as this has created a hardship on myself, my credit rating and caused me to be declined services. Thank 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 explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
To lower New Military Mortgage interest rate We applied for a Mortgage LOAN # XXXX all three Credit company lower a Score plus Stated KEY FACTOR THAT ADVERSELY AFFECTED YOUR CREDIT SCORE All 3 Credit Company stated : 39 SERIOUS DELINQUENCY 18 NUMBER OF ACCOUNTS WITH DELINQUENCY 1- PROPORTION OF BALANCE TO CREDIT LIMITS AND OTHER Volving Accounts Only bill i own at this Date is XXXX XXXX {$130.00} had a XXXX XXXX and will correct that problem Soon XXXX XXXX XXXX I Paid both card in full with interest $ XXXX {$4000.00} card and $ XXXX {$2000.00} XXXX XXXX cancelled both card right after payment XX/XX/2018 XX/XX/2018 i paid in full my two credit card due to high interest rate closed XX/XX/2018 I was still being charge on an close account The only bill i have current is XXXX Credit card Car Insurance and Mortgage in the last two month XXXX is changing monthly Annual fee taking i pay on the 2-3 every month, XXXX Is Now taken 7-10 to clear my Debit card making me pass my due date plus over my limit with Annual Charges i never pay the min, I was told i cant use my car without payin in Full Plus my name Is spelled XXXX XXXX XXXX or XXXX XXXX XXXX ( only ) There is no sir name SR or XXXX XXXX, or XXXX XXXX XXXX , or XXXX XXXX XXXX  Please Correct thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV 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 2019-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I bought a phone from a guy on XXXX. I sent him the money on Wednesday XX/XX/XXXX through XXXX and he said he'll ship the phone on the upcoming Friday which was the XX/XX/XXXX. He told me he sent the phone and I asked him for the shipping information and he said he would give it to me. The next day I still didn't get the information and I texted and called over the next few days with no response. Today is XX/XX/XXXX and there's no sign of the phone or the guy I bought it from. It looks like I got scammed.

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 2019-07-18 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: EQUIFAX, INC.
State: AR

Complaint narrative:
On XX/XX/XXXX I mailed a letter to the credit bureaus requesting all unverifiable, unauthorized inquiries be removed from my credit file, as there were many credit inquiries which I had no knowledge of, nor did I ever authorize. The credit bureau has since refused to delete any and all unverified, unauthorized credit inquiries. This is a direct violation of the FCRA and I ask that they be investigated and appropriate action be taken to remove all unauthorized, unverifiable inquiries from my credit report. I also request that the credit bureau send me a current copy of my credit file showing the inquiries fully removed that they are unable to properly verify with supporting documentation for the inquiries they are able to verify. Their failure to follow procedures and the law should not be overlooked as this has created a hardship on myself, my credit rating and caused me to be declined services. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
On XX/XX/XXXX I mailed a letter to the credit bureaus requesting all unverifiable, unauthorized inquiries be removed from my credit file, as there were many credit inquiries which I had no knowledge of, nor did I ever authorize. The credit bureau has since refused to delete any and all unverified, unauthorized credit inquiries. This is a direct violation of the FCRA and I ask that they be investigated and appropriate action be taken to remove all unauthorized, unverifiable inquiries from my credit report. I also request that the credit bureau send me a current copy of my credit file showing the inquiries fully removed that they are unable to properly verify with supporting documentation for the inquiries they are able to verify. Their failure to follow procedures and the law should not be overlooked as this has created a hardship on myself, my credit rating and caused me to be declined services. Thank 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 explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/2019 one morning i receive a call from capital one, and i call back and only answer the give me was your account is closed, i ask why they said because of activity on this or another account that is not consistent with our expectation for you account usage and violation of the capital one consumer agreement. and no more explanation. till today i have no idea why and that hurt my credit score because is one of my oldest account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
i've all ways paid my account on time i spoke with someone at the bank in regards to this matter he said billing errors they fall off eventually and that it wouldn't affect my score, But it did. ones I checked my credit its effected my on time payment, its now 98 %

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
On XX/XX/2019, I submitted a travel notification with Suntrust for my debit card. I was informed that my debit card would be charged {$5.00} for ATM withdrawals. I proceeded to also use my debit card for most payments while abroad. I made a purchase of XXXX USD and the charge on my card was XXXX USD. I thought my hostel overcharged me, but they showed me that they charged the right amount. I closely followed my other debit card purchases and observed that Suntrust was adding an international charge to every purchase I made abroad. I messaged and called Suntrust explaining that their charges were not transparent and I was not informed that there would be a charge for using my debit card abroad. Another student on the research trip had a similar issue with their bank ( XXXX ), and their bank refunded their international fees. Suntrust 's customer service was unsure what could be done and I was not refunded the fees after reaching out via message and phone call.

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 2019-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Service, Inc.
State: AR

Complaint narrative:
Collection Service Inc is attempting to collect a debt that has a service date of XX/XX/2012 for {$100.00}. They have not validated that I owe this but this debt is past the 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of america only allows last 30 days previous transactions to be disputed online. This is crazy to me as i need to dispute a charge and do not want to call their terrible call center. It seems like an attempt to reduce disputes, despite MasterCard and Reg-E allowing me unlimited timeframe to dispute a transaction unauthorized. 

Please change their practices, also you can not close an account online either.

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 2019-07-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Recovery Service Incorporated
State: NY

Complaint narrative:
To : CFPB RE : Disputing Fraudulent charges I am writing this letter to make a formal complaint and dispute to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX for making about 10 unauthorized charges to my checking account affecting me because I received overdraft charges of {$35.00} each. By XX/XX/XXXX I tried to use a new merchant company I contacted XXXX XXXX XXXX within 3  business days I didn't like their services and I decided to cancel it ; to proceed with cancel service I have to return the merchant device and closed the account I did returned the equipment but also they advise me that I had to get in contacted with XXXX XXXX XXXX XXXX that was the main merchant company for XXXX XXXX. Immediately I contacted them by phone to cancel my services, after while I stared getting charges under the name of XXXX and I contacted my personal bank they gave me a phone number I called them but they sounds to be a different company and no idea about me? and they couldn't help me, in the mean time those charges was made to my account, then by XX/XX/XXXX I received a collection letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Phone : XXXX for the amount of {$530.00} Ref # XXXX under the name of XXXX XXXX XXXX XXXX I contacted them and this was in connection with XXXX XXXX XXXX XXXX I spoke with XXXX Ref # XXXX she explained me that they are trying to collect a debt on my name XXXX XXXX XXXX XXXX XXXX ) I advised her that I have not relationship with XXXX XXXX XXXX XXXX for long time, and inclusive I returned equipment ( device to charge credit cards ) that I have no records of services with them, she personality verified what I was saying, and she tried to do conference call with XXXX XXXX XXXX XXXX to clarify this annoying and incorrect procedure from XXXX XXXX XXXX XXXX AGAIN! @ XXXX but it was unsuccessful to get a person over the phone and left few messages to them explaining why I need them to stop charging for a service that It doesn't exist, until today nobody has contact me and I really concern because I can lost my checking account getting overdraft fees. Please I really appreciate your attention on this matter. 
I really want to proceed with formal complaints to these companies, and clarify those fraudulent charges and avoid that this collection company record any negative records in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MT

Complaint narrative:
Every month when I try to use the online payment system to pay my bill it never works. I have to change my password everytime. Once my password is changed it doesn't work. As a result of this I don't get my payment in on time and I am subject to fees. The company is located in a different time zone. So if I need to call them to speak with someone they are closed. I find it very odd that the online payment system is so much of an issue. I also wonder how many other people this is happening to and the fees that the company is getting as a result of this.

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 2019-07-18 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: GA

Complaint narrative:
i've all ways paid my account on time i spoke with someone at the bank in regards to this matter he said billing errors they fall off eventually and that it wouldn't affect my score, But it did. ones I checked my credit its effected my on time payment, its now 98 %

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 2019-07-18 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: GA

Complaint narrative:
i've all ways paid my account on time i spoke with someone at the bank in regards to this matter he said billing errors they fall off eventually and that it wouldn't affect my score, But it did. ones I checked my credit its effected my on time payment, its now 98 %

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have checked my credit report and I've seen so many inquiries on my transunion and XXXX so I've called them they told me about rules and policies which want my argument. I've sent letters more than 30 days ago as well as called and they would not support my frustration to why these inquiries were in my credit report when they weren't authorized. I've contacted the company that pulled my credit and they didn't send letters stating that they went against protocol like they said they were going to do either. The law has been broken with my identity presumptively being compromised is so far from illegal that takes needs to be rectified. Thank 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 explanation
Consumer complaint received 2019-07-18 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: American Credit Acceptance, LLC
State: CO

Complaint narrative:
I called them the XXXX of XXXX and talked to them about the payment that was past due. They told me as long as I made partial payments that they would not report to my credit. I made {$100.00} on the XXXX, XXXX of XXXX I made {$400.00}, XXXX of XXXX I made a {$1400.00} payment. I made these payments under the direction of them to keep any 30 day lates from being reported. If I would have known that a 30 day late would have been reported I would have made different arrangements to make the payment. I felt that I would be good being directed by the representative on the phone on what was best to do to keep my account in good standing.

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 2019-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XXXX XXXX Fraud money. 

I sent {$160.00} to him for buying XXXX XXXX  ticket. 
When I sent money to him, he never answer to me. How can I refund money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I have checked my credit report and I've seen so many inquiries on my XXXX and XXXX so I've called them they told me about rules and policies which want my argument. I've sent letters more than 30 days ago as well as called and they would not support my frustration to why these inquiries were in my credit report when they weren't authorized. I've contacted the company that pulled my credit and they didn't send letters stating that they went against protocol like they said they were going to do either. The law has been broken with my identity presumptively being compromised is so far from illegal that takes needs to be rectified. Thank you!

Company response to consumer: Closed with explanation