vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-11 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: WI

Complaint narrative:
Kindly request that the information contained in my credit profile be reviewed and modified, but a response from you has not been possible I emphasize that federal law requires you to respond within thirty ( 30 ) days, but you credit reporting agencies continue to breach these federal regulations, which are investigated by the Federal Trade Commission. 
As I had previously communicated I keep a careful record of my communications with you for the purpose of File a complaint with the FTC. 

I further remind you that you are responsible for your intentional breach

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 2021-12-11 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: AZ

Complaint narrative:
Capital One insists on me providing them with an EIN. I've explained to them that the IRS does not provide an EIN for a single member XXXX, they use my social security number. They proceeded to restrict my account, after they had charged me a {$59.00} membership fee, and will not issue me the {$100.00} in accumulated rewards. I have paid off the card in full, but they will not allow me to receive my rewards that I have legitimately earned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11 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: TX

Complaint narrative:
Upon researching the credit bureaus are saying that it's public information that was brought. Information that I never signed off as a consumer. The bankruptcy that is showing on my credit report shall not be showing on their due 15 USC 1681 k.

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 2021-12-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon researching the credit bureaus are saying that it's public information that was brought. Information that I never signed off as a consumer. The bankruptcy that is showing on my credit report shall not be showing on their due 15 USC 1681 k.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
i've had auto-pay enabled on my Cash Rewards credit card from BoA, where I also have a checking and savings account. On XX/XX/2020 a late payment was reported on my credit report due to the failure of the auto-pay system. I did not notice this failure on time because previously it never had an issue. I am attaching the auto-pay logs. 
In XX/XX/2020 I called the local BoA branch and scheduled an appointment to address the issue. The customer representative explained to me that it is not a problem and the record will eventually be removed from my credit report. It has not happened yet, and the late payment is affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
I acquired a loan XX/XX/2021 with US Auto XXXX. I attempted to no avail to have my account balance updated on my credit report in XXXX, so I refinanced with XXXX XXXX since they were being unprofessional. The loan has been paid off, I have made the first payment to the new lender, XXXX XXXX and still US Auto XXXX has NOT closed the account. They always respond they're in the process and XXXX has gone along and that's why the balance reflects XX/XX/2021. Now it looks like I owe almost $ XXXX for a car I only owe $ XXXX and some change. Please, please help. US Auto XXXX has tanked my credit and refuses to close their account, they're always in the process of doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These 3 agencies XXXX, XXXX and Transunion are in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Please delete these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: TX

Complaint narrative:
These 3 agencies XXXX, Equifax and XXXX are in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Please delete these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: TX

Complaint narrative:
These 3 agencies Experian, XXXX and XXXX are in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Please delete these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent dispute letters to correct my personal information to all three credit reporting agencies ( XXXX, XXXX, and Experian ) on XX/XX/2021. I have also sent a 2nd round in XXXX. I have also sent the required proof or documents needed to verify each time. They have only updated some info such as employment info. 

XXXX and XXXX have not listed my current address on file, nor has XXXX removed previous addresses that I don't currently live at. 

Experian has not updated my date of birth, my name, nor have they deleted previous addresses. 

XXXX has not listed my name correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Remitly, Inc.
State: CT

Complaint narrative:
They bank took over access to my funds and asked me to provide proof for the source of funds. My new deposits did not show up in my account causing confusion and my account is still frozen after promptly providing the requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I have been going back with this company and they've repeatedly refused to comply with my requests, as well as, deny their violations of the Truth in Lending act. They have also been caught red handed violating the Fair Debt Collection Practices Act by submitting proof through a previous CFPB complaint. The exhibits are listed in the attachments of this complaint. SANTANDER CONSUMER USA INC. has provided the contract agreement that was set in place to meet obligations that was agreed upon, but the contract was fraudulent and deceptive to begin with, which makes the existing contract NULL. A finance charge does not contain cash and cash was taken from me, which is fraudulent. A finance charge also INCLUDES insurance, which was not provided ( it shall not be optional ). These were fraudulent actions which result in the contract being XXXX. Furthermore, this company is a debt collector and they've stated so within the exhibit attached below : " This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. '' In addition to that statement, they're using their labels within the letter to collect a debt. These are all violations of the FDCPA. So, not only have they violated me with a fraudulent contract, but they also used unfair practices to attempt to collect an alleged debt. Moreover, this account can not be considered late/collection/charged-off because it contains a finance charge, which is the sum of ALL charges. This account was paid in full with my Credit Card ( social security card ) and can not contain a late payment. So, this company has been taking advantage of me by creating a fraudulent contract, using unfair practices to attempt to collect an alleged debt, then furnishing negative remarks on my consumer report and refusing to compensate me for several federal violations and remove all negative items from my consumer report. I have a right to opt out of having my nonpublic personal information from being share with a nonaffiliated third party and this financial institution never clearly and conspicuously disclosed this to me in writing or in electronic form. I am in complete distress from being completely taken advantage of by SANTANDER CONSUMER USA INC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I recently had my credit report pulled by a bank because I am in the process of purchasing a home. On my credit report, XXXX XXXX shows a student loan from XXXX XXXX University ( where I attended ) for {$2000.00} that caught my attention because I had never seen it before and have been paying on my student loans since XXXX. The credit report stated this loan has not been updated in XXXX XXXX 's system since XX/XX/XXXX. I contacted XXXX XXXX University and XXXX XXXX ( which is the loan provider XXXX XXXX uses ) and they could not find this loan anywhere in their system. After 50+ phone calls to XXXX XXXX and XXXX XXXX from XXXX, XXXX concluded that this portion of the loan was never updated to XXXX XXXX from UAS XXXX, which is the loan provider XXXX XXXX used until XX/XX/XXXX. I attended XXXX XXXX University from XXXX XXXX XX/XX/XXXX. In XXXX of XXXX, XXXX XXXX university transferred all of the student loan accounts from UAS to XXXX XXXX. On my credit report from XXXX, it is showing I still owe UAS that loan amount because XXXX has not gotten any updated loan information from UAS XXXX about my account since XX/XX/XXXX. So, it is still showing on my credit report that I have a balance with UAS XXXX of {$2000.00}. XXXX informed me the only way this can be changed is if UAS XXXX sends them an updated report showing that this account no longer exists or has been transferred/paid off. I called UAS XXXX 3 times on XX/XX/XXXX and they informed me they can not help because they can not find my loan account ( because it was transferred to XXXX XXXX ). They are unwilling to help me and I do not know where else to turn. I can confirm this loan amount was with UAS XXXX because all of their loan accounts start with the same 3 numbers, and the account number that is on the attached document match. I need this removed from my credit report because it is no longer valid, and no one will help me. The attached file is information of the account balance I am referring to. I tried to file a dispute with XXXX XXXX and this was the result. XXXX XXXX reached out to the contact information provided, but it is the contact information for XXXX XXXX, not UAS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: MD

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX  Gift voucher in the amount of {$180.00}. They do not show the calendar of availability before purchasing ( unlike similar voucher experience companies I have seen ) so when I went to redeem it, I was horrified to see there was only one date available in the next 8 months in XX/XX/XXXX. They luckily advertise a 30-day hassle-free, no-questions-asked refund policy on their site, so I reached out several times within that window to speak to someone about a refund. No one ever responded. 

Once I was out of that refund window, I contacted Capital One to dispute the charge. They reached out to XXXX XXXX  Gifts, and that is when the company finally emailed me back ( conveniently, outside the 30-day refund window ). They asked what the problem was and I said that no one had reached out to me in the refund window so I went to my credit card company. The customer service rep from XXXX XXXX apologized profusely and said she would handle it. I thought that meant a refund, but instead, they refuted the dispute only by showing that they had indeed provided me with the voucher ( which was never the complaint in the first place ). 

Capital One closed my case without asking the company why no one had replied to my several emails within the refund window policy. I was on the phone with Capital One for hours asking and every customer service rep said that yeah, it was odd, but if I wanted a refund, I needed a Second Opinion letter stating that other companies would show the availability on their site. However, that is not what I am disputing! I am disputing that the company advertises a flexible refund policy but violates it by not communicating with customers in time. 

I have tried to reach out to a few similar companies ( XXXX XXXX, XXXX, etc ) asking for this second opinion letter but all say they can not help me. I can see clearly on their site that they do show calendar availability before purchasing, so not sure why I need a letter to state that when it is clearly viewable and proven on their site. Also, refund policies are available on the site as well, so again, not sure why requiring a company that is not involved in the situation to just state things that are visible online. 

What it comes down to is a company lied about their refund policy, did not communicate with me in the window of the refund policy until I timed out, and then Capital One refuses to help me stand by the dispute when every customer service rep I speak to confirms I should get a refund, but we have to follow the process. Without a random company agreeing to do this random letter, I am out {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: VA

Complaint narrative:
A debt collection showed up on credit report. I contacted the company requesting proof on the debt amount even supplied them with email address to send it to. I still have received nothing not even a bill of any sort and it has been almost 30 days and I just seen where my amount due to them has went up again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: FISERV FINXACT CORE
State: WA

Complaint narrative:
The Economic Impact Payment Card Issued by Money Network, XXXX, was stolen in U.S. mail on or before XXXX/XXXX/2021. 
I was unaware whether i get the card or check s I inquired IRS. I received the letter from IRS about XXXX/XXXX/2021 and i found out im getting the card. So, i requested the replacement card same day. Then I got the replacement card on XX/XX//2021 and found out card was emptied and had only {$1.00} left. The card was spent by suspect at XXXX store mostly the amount of more than {$2300.00} in 2-3 days, The police report was filed on XX/XX//2021 and the report was approved on XXXX/2021.The investigation was initiated by the police and I have talked to the private investigator. They looked at the security camera at the sotre but they couldn't identify the suspect. 

I filled the complaint to the card issuing company on XXXX/XXXX/2021 and I sent the police report and explained everything about what happened. but they denied my complain and didn't explain why my claim was denied. I filed the appeal for the denial on XXXX but after 6 months they haven't processed my appeal. I also refiled the appeal again on XXXX/XXXX/2021 but I got no response from them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: NM

Complaint narrative:
In the previous letters I have requested the investigation of the elements that do not coincide and the elimination of them, taking into account the fair credit law, which states that I have the right to be informed of the status of my account and the report of the accounts must be 100 % accurates

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I, the consumer and natural person was denied credit by Citibank , N.A . when I applied for an ExxonMobil Credit Card. Pursuant to federal law, I can not be denied credit. 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Citibank violated 15 U.S. Code 1642, 15 U.S. Code 1602p and 15 U.S. Code 1691 and 15 U.S. Code 1681a.

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Citibank N.A., violated 15 U.S. Code 1642 violate federal law because I made an application, but credit was not issued. Citibank , N.A . denied me credit. 

Fact, affiant is aware and has proof in pursuant to 15 U.S. Code 6802, Citibank , N.A . may not report my nonpublic personal information as this statement confirms my request to OPT OUT. This means, I am requesting all inquiries and any other information regarding my relationship with Citibank, N.A., be deleted permanently from all consumer reporting agency databases including but limited to XXXX, XXXX, XXXX and XXXX XXXX. 


Fact, affiant is aware and has proof in pursuant to 15 U.S. Code 1681m, I can not be denied credit by Citibank , N.A . 

Fact, affiant is aware and has proof pursuant to 15 U.S. Code 1605 that a finance charge was involved because my social security number was used. 

Fact, Affiant is aware and has proof pursuant to 15 U.S. Code 1602 that the use of my credit card ( social security card ) in this consumer credit transaction ( application for credit ) is unauthorized use because I received no benefit. 

Fact, affiant is aware and has proof pursuant to 15 U.S. Code 1681b that Citibank fraudulently obtained my nonpublic personal information from XXXX because I did not provide either corporation with written instructions to furnish my consumer report to Citibank. Also, I did not provide Citibank with written instructions to retrieve my consumer credit report. 

Fact, Affiant is aware and has proof pursuant to 15 USC 1611, Citibank is criminally liable for violating 15 USC 1602 and 15 USC 1605 because I received no benefit. Also, a finance charge was involved in the consumer credit transaction I initiated on XXXX XXXX, 2021 but there was no mention of a check being mailed to me, the original creditor, for a finance charge in the adverse action letter I received on XXXX XXXX, 2021. 

Fact, affiant is aware and has proof pursuant to 15 USC 1681a, Citibank, N.A., can not deny me the credit I requested.

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