vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I mailed letter out certified over 30 days ago and have not been notified. as a consumer I feel like this ignored, I feel like these clowns are taking advantage of normal people

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 2021-12-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: FL

Complaint narrative:
I obtained a loan for 0 % interest in XX/XX/2020 for 1650dollars for 12months and payed it off in 8 months. I sent in finance charges monthly for 8 months. The loan was 0 % .The company changed the amount to {$1800.00} after I sent them 1650.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
My account was placed in restricted status on XX/XX/XXXX because I apparenty had to verify ownership of an external account I tried to add. I can not make any deposits or withdrawals from the account, yet the bank only claimed that " Any transfers scheduled from the account ( s ) listed above have been canceled until our verification process is complete '' which does not say that my account would be restricted. There is no reason why my entire account should be locked just because I tried to add an external account. I submitted documents showing I owned the external account on XX/XX/XXXX. The bank has refused to currently unlock my account despite repeated calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
on XXXX XXXX ish I was contacted by a collection company hired on behalf of USAA Federal bank trying to again collect a debt that is not mine. 

The collection agent was rude and threatened me with legal action and I want to file a formal complaint. 

1st the call-in itself was ill-legal as I already sent them a letter in writing saying to NOT call me. ( see attached letter ) 2nd using near hate language is not acceptable to any human being in really any circumstance. But I guess that the quality of help USAA hires to save a buck. some fun quotes i have on recording " you are a piece of garbage if you do not pay your debt! you are under a contractual obligation to pay '' Colorado is a 1 party consent state when it comes to phone recordings. Since I already agreed to be recorded i started recording as well. I truly want these accounts gone now at this point. USAA does not get to hide behind a 3rd party debt collections company. I will submit my story and the audio clip of XXXX sec to XXXX XXXX XX/XX/XXXX if nothing is done. I'm not rich I can't afford an attorney but I can at least bring attention to USAA shardy practices

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I closed my Frost Bank Checking Account on XX/XX/2021. I also, Closed my Savings account on the same day. I withdrew all the monies out and left the accounts at a XXXX XXXX XXXX XXXX. Frost Bank Closed the Savings account by the next day XX/XX/2021. That's when they started doing what " XXXX XXXX Bank '' was doing illegally ... That led to the Federal Reserve and Several Lawsuits... Including Congresswoman XXXX XXXX have been charging " XXXX XXXX '' with ... Adding a bunch of " Fees '' and taking advantage of people ... You can see by the uploads I'm attaching ... They want {$1100.00} in Debts/Fees as a Charge -Off ... That will lead to a " Early Warning Services '' report against me... I believe " Frost Bank '' is involved in " Fake '' Practices...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant & Weber
State: CA

Complaint narrative:
HI, I pulled out federal student loans and owed some money back to that school when I transferred out of that school. I paid most of the amount back and I was in constant email exchange with the school about how much money is left for me to paid. This was last year in XX/XX/2020. Then when I tried to ask them that is not the correct amount that I owe and tried to figure out how much is actually owed, they never responded to my email. Then later, I got a collections agency notification saying that I owed ~ {$1000.00} more than what they initially said, which was already over-estimated student debt. I tried to email the school one more time, which they were closed for the holidays. I also tried contacting the collections agency and left two voicemails to no returned calls. 

Please help me as much as possible, this has been significantly impacting my credit and not sure what to do. 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 2021-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I cancelled my Citi XXXX in early XX/XX/2020 card but did not received my pro-rated annual fee refund. At the time of the original phone call inquiring about closing the card, I was told I would be receiving a pro-rated refund for my annual fee when I call Citibank in early XX/XX/2020. In subsequent follow ups via chat after closing the card I was also told I would be receiving a prorated fee refund. However I never received the prorated fee refund ( which was told to me to be just under {$400.00} ), and when I tried calling to follow up Citi claimed they no longer do prorated fee refunds. I am requesting that Citi honor it's original policy and what was explained on the phone that I would be receiving the prorated refund.

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 2021-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I entered a consumer credit transaction on XX/XX/2021 with Chrysler capital I was approved for a 2021 XXXX XXXX XXXX online the website instructed me to take my approval to the dealership I picked which was the XXXX XXXX and XXXX in XXXX, mi. I went to the dealership I was told by finance manager I was denied. I contacted Chrysler capital and they sent me a letter stating I was denied for insufficient credit history. They violated Regulation B CFR 1002.4 as it prohibits discrimination regarding any aspect to a credit transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC

Complaint narrative:
Date : XX/XX/2021 Amount : XXXX USD The company ( Ria Financial XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ) XXXX XXXX XXXX XXXX ( XXXX  ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY They sent this money to my name in XXXX on XX/XX/2021, but the money was not yet deposited to my bank or personally to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: TX

Complaint narrative:
Trying to collect on an alleged debt after the after the Texas statue of limitations have been met. Please remove this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: NC

Complaint narrative:
On XX/XX/2021 I noticed some negative accounts reporting on my credit report. I reached out to all 3 credit bureaus Equifax, XXXX, XXXX to address the matter and no one responded to me. Now as you know that violates the FCRA and I demand for them to remove these fraudulent accounts from my report immediately. I have no knowledge of any of these accounts. 
XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX # XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: NC

Complaint narrative:
On XX/XX/2021 I noticed some negative accounts reporting on my credit report. I reached out to all 3 credit bureaus XXXX, Transunion, XXXX to address the matter and no one responded to me. Now as you know that violates the FCRA and I demand for them to remove these fraudulent accounts from my report immediately. I have no knowledge of any of these accounts. 
XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT # 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 non-monetary relief
Consumer complaint received 2021-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2021 I noticed some negative accounts reporting on my credit report. I reached out to all 3 credit bureaus XXXX, XXXX, Experian to address the matter and no one responded to me. Now as you know that violates the FCRA and I demand for them to remove these fraudulent accounts from my report immediately. I have no knowledge of any of these accounts. 
XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT # 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 non-monetary relief
Consumer complaint received 2021-12-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To EQUIFAX : I am tired of dealing with your lies and manipulations of peoples lives. I have filed a dispute several times with your company involving a Bankruptcy Public Record incorrectly reported on my Equifax credit report. The updated Equifax report shows Bankruptcy Public Record as VEFIRIED AS ACCURATE. You state you obtained Bankruptcy Public Record Information from local, state, and federal courts through a third-party vendor, XXXX. I have included a letter from XXXX stating they dont report bankruptcy on my consumer file. You have also listed the Agencys contact info as the XXXX Bankruptcy XXXX. The Bankruptcy Court has both mailed me letters that emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and confirm public records. Please provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report or my release authorization bearing my signature. In the meantime, to fully comply with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Failure to respond satisfactorily within 30 days of this letter will result in a small claims action against your Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. 

I am as a result of this demanding deletion of the above account from my Equifax file under 15 USC 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion. 

I have previously disputed this info with the CFPB, but there was no Equifax response. The CFPB states that the complaint has been resolved, but Equifax has not yet sent me any results or a confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Resurgent Capital Services is reporting a balance and changed " included in chapter XXXX '' To seriously past due Sent to Attorney. 

This account was included in my discharged chapter XXXX bankruptcy filed this XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: IL

Complaint narrative:
equifax has had rgis problem over 60 dayd and hasnt got it corrected yet can you guys stap in XXXX shows late payment for 5 months in row ive been straight wirg company and once they called me and let me know XXXX took over account i brought it up ro date when they called me i payed XXXX XXXX XXXX XXXX XXXX brought all up to date once i found out thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: IL

Complaint narrative:
XXXX has had rgis problem over 60 dayd and hasnt got it corrected yet can you guys stap in XXXX shows late payment for 5 months in row ive been straight wirg company and once they called me and let me know rgey took over account i brought it up ro date when they called me i payed 60 60 90 90 120 brought all up to date once i found out thanks

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 2021-12-25 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: IL

Complaint narrative:
XXXX has had rgis problem over 60 dayd and hasnt got it corrected yet can you guys stap in XXXX shows late payment for 5 months in row ive been straight wirg company and once they called me and let me know rgey took over account i brought it up ro date when they called me i payed 60 60 90 90 120 brought all up to date once i found out thanks

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 2021-12-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I went to the Chase bank ( XXXX XXXX XXXX, XXXX XXXX FL XXXX ) on XXXX XXXX to deposit two checks issued from the IRS ( one for {$210.00} and the other one for {$160.00} plus {$45.00} cash ) through the drive thru, to my bad luck the ATM ate everything and nothing was deposited. The only thing I got was a receipt with a phone number to call. I called back the next day since XX/XX/ was a holiday. Chase bank opened a claim to investigate this issue and then they have to close the claim on XXXX because they asking me for proof of the checks. How can I provide proof if the ATM ate everything. Also they dont want to reimburse the cash because they dont have proof. My question isnt the banks log all the info from that day? If they do I think they are doing an horrible job. I would like these matter solve because I need these money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-25 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: AZ

Complaint narrative:
I have several accounts that I was never late on and 1 accounts that is not mine and 3 unauthorized inquiries, I also have a chapter XXXX listing that I didn't file, there is a letter attached for explanation.

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 2021-12-25 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have this account opened in XX/XX/XXXX. Since then I have been 100 % on time with my payments. The account is always paid on time and always handled responsibly. I am an active member of the United States Military and usually travel according to my orders. I use the AutoPay feature to pay my bills automatically because while I am under orders, I am unable to predict the details of my mission. This account was under autopay but somehow this feature was removed or the terms were changed because the money was not taken from my account as originally agreed. I do not have any blemish on my credit except for this late payment that occurred in XX/XX/XXXX during the months of my deployment. The servicemembers Civil Relief Act usually covers and protects US soldiers from adverse effects to their finance and credit while serving in the military. I ask this to be looked into and removed from my credit report. This is the only late showing up and should not be reported because this was not my fault as I was deployed during the change in terms and late payment. I have multiple attempt with the AMEX and the credit bureaus but the late payment continues to report in my credit file. I attached the copy of the letters from the Department of XXXX to prove my whereabouts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
Received a letter asking to pay {$320.00}. I sent them a Debt Validation LetteXXXX which they failed to Validate. Instead, they sent a Itimized billing containing my medical procedure which clearly is a violation of my HIPAA rights. This bill was already paid to the hospital.

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 2021-12-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have inquiries from XXXX XXXX dated for XX/XX/XXXX and XX/XX/XXXX of XXXX  twice from XXXX XXXX XXXX  XX/XX/ these are unauthorized inquiries and I also have no account or do business with this lender please remove from my credit report these inquiries are hindering my well being and score. I would also like you to remove all names and addresses different from XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX TX XXXX.I have became a victim of fraud with accounts and personal information used to get credit in my name a account XXXX XXXX XX/XX/XXXX XXXX bal {$4900.00} I have also attached the report that was made ID.gov .Please remove all incorrect info.

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 2021-12-25 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: AZ

Complaint narrative:
I have several accounts that I was never late on and a few accounts that do not belong to me. also 3 inquiries I did not authorize

Company response to consumer: Closed with explanation