vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: NJ

Complaint narrative:
Name : XXXX XXXX email : XXXX Tel:XXXX Customer Reference : Remitly Reference : R XXXX Amount : {$8000.00}. 
Compnay name Remitly Dear All, I am XXXX, a customer and I sent money to XXXX to help people for this COVID 19 crisis Community. I used a company name is Remitly, which has a horrified reputation all around the social media. However, I sent money on XX/XX/2020 and until XX/XX/2020 the money did not deposited the account and the receiver did not get money yet, they are suffering for this. 
In addition, I have requested Remitly and submitted proof from the bank the money did not deposited 15 days ago. Specially, I requested to return my money. Still now, after 30 days days has been passed the did not get my return money. I no need to send this money anymore because I borrowed money from my friends and sent the money to them from different company, They are efficient and they have customer service 24/7. On the other hand, Now I need my money immediately. the Remitly customer service said it will take 3-5 days on XX/XX/XXXX, it has been passed 15 days, I did not get money return yet. Even The company customer service is 24/7 unavailable and they are not supportive at all. I have been suffering enormously for this problem. I need immediately my money back and I need damage compensation for this problem. I am urging special attention to above mentioned Authorities and please take a legal action against this company. I saw on XXXX XXXX  a number of customers have been facing this kind of problems and I their money has been held long time and the same story. 
Therefore, I am requesting I need money return in my bank within 3 days. Otherwise, New Jersey Customer Rights Department and NJ bank insurance authority, and senator please take into account it seriously and please Suspend doing the business in New jersey by Remitly as soon as possible. Because this scam company will lose our customer trust and it will harm their our faith in our beloved state. 
I am looking forward to hearing from soon. 
Sincerely, XXXX XXXX Remitly Reference :XXXX Tel:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: NV

Complaint narrative:
Capital One bank has not updated my account XXXX & XXXX as paid on time since this virus on my credit bureaus is not reporting right i have not gone no 30 or 60 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: MO

Complaint narrative:
On XX/XX/2020 I sent in documents showing inaccuracies on my credit report. I havent gotten a response back yet and it has been well over 30 days. I also sent in a letter following up with them. yet I still haven't got a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: AL

Complaint narrative:
XXXX XXXX XXXX submitted two disputes on my behalf to correct two late payments ana the crake  bureaus have not updated my report yet. I have submitted several disputes and the information has not been updated. There is are late payments for XXXX and XX/XX/2019. This information is inaccurate I have told them that ana so has XXXX XXXX. I do not know what to do and why this information is not updated. When I submit disputes the creditor does not even investigate. XXXX told me that they have not received anything from these three credit bureaus regarding my account. So they are just ignoring my requests.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: NV

Complaint narrative:
Capital One bank has not updated my account as paid XX/XX/XXXX and XX/XX/XXXX payment and i have not paid 30 or 60 days late on this account and capital one one has not updated my account correct since this virus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: GA

Complaint narrative:
There are several errors on every account that were not fixed or deleted by Transunion. This is a violation of my FCRA rights. I will attach supporting documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: AL

Complaint narrative:
I have submitted several disputes on behalf on my account with XXXX XXXX. There are two late payments for XX/XX/XXXX and XX/XX/2019. Equifax corrected the error then they put it back past due 30 days after a week. I am confused as to why they are manipulating my credit profile. XXXX XXXX has also submitted two-three disputes on my behalf to correct these errors and the mistake has gone uncorrected. This needs to be fixed because this account has never been late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One does not have my account as paid on time XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX payment showing correct. I have not gone past 30 days in no XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX paying my car note. since this virus started and the 3 credit bureaus information is not correct and they blame it on Capital One Bank nothing but the run around with the credit bureaus sine this virus started.When paying the payment it takes capital one or my bank to long to get the money as paid by debit or checking account is not my issue how capital one batch or my bank i see this is a bad bank with all the issues i have had in past 4 years with 2 cars fin with capital one it is always some issue even when i paid 3 months in advance capital one did not report right sent me some letter saying sorry has nothing to do with all the mistakes has happen on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: MO

Complaint narrative:
Back on XX/XX/XXXX I sent a letter to Equifax disputing inaccuracies on my credit report. I still haven't received any notification. I also sent in a comply letter in hopes of an update but to no avail I didn't get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: Consolidated Information Services Solutions, LLC
State: TX

Complaint narrative:
On XX/XX/2018 XXXX CIS Inc made an inquiry on my XXXX credit report. Because I never authorized CIS Inc to pull my credit report, I contacted CIS Inc demanding they show valid proof they have permissable purpose to pull my credit report pursuant to The Fair Credit Reporting Act. XXXX CIS Inc never responded with any type of valid proof that they had permissable purpose to pull my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCE CORPORATION
State: AL

Complaint narrative:
I have received a process for garnishment for this company and I am no form able to pay this right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
Hello I did a report on identity theft. Gov was hey told me thats not good enough I did a police report they told me they need a lease from where I was living at the time of incident but however I was living with someone did not have a lease

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: Credit Plus Inc
State: TX

Complaint narrative:
On XX/XX/XXXX Credit Plus made an inquiry on my XXXX credit report. Because I never authorized Credit Plus to pull my credit report, I contacted Credit Plus demanding they show valid proof they have permissable purpose to pull my credit report pursuant to The Fair Credit Reporting Act. Credit Plus never responded with any type of valid proof that they had permissable purpose to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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:
I HAVE DISPUTED THE ACCOUNT AS FRAUDULENT AND I MAILED ALL DOCUMENTS TO EXPERIAN, AND THE ACCOUNT IS NOT MINE I NEVER HAD XXXX SERVICE, AND I AM ASKING FOR IMMEDIATE DELETION OF THIS ACCOUNT XXXX  XXXX XXXX PARTIAL ACCOUNT # XXXX BALANCE {$2400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I paid in full the amount of {$860.00} and it cleared my bank on XX/XX/2020. As of today it had yet to reflect on their end and apply it as such.

I attempted to make a purchase at Target to no avail. I also called 3 times to target. First time 37 minutes, 2nd time 48 minutes, last call 21 minutes.

During the 2nd time and 3rd time, they called my banking institution to confirm the payment had cleared. This was confirmed during the 2nd and 3rd time and my banking institution confirmed it.

Due to this, I was unable to use the 5 % discount back by using their card, an additional 10 % and the {$10.00} gift card on their website was not applied. So where I would have saved about {$30.00} on my purchase, I saved {$0.00}.

I awaited 4 additional hours to attempt to buy online. I awaiting 8 hours in total. The first time I was physically at their store.

The thing is, that at this time, there aren't many options of to where to purchase and pick up on the spot or get delivery. This is the worst part WE HAVE NO OPTIONS OF WHERE TO BUY! WHERE TO PICK UP! GET A TIMELY DELIVERY!

This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2020 I received a call from my lender as I amtrying to purchase a home. XXXX advised me that I needed to pay off my capital one credit card. I called capital one on XX/XX/XXXX I was advised that they couldnt provide me with a payoff at that time because I had a XXXX dollar payment that had not posted so the woman couldnt give me a good pay off amount she advised me to call back on XX/XX/2020 I again called back I spoke with a woman not sure of her name she advised me the payment had posted and gave me a payoff of XXXX I advised her I would be calling back once the payment was made. I sent the XXXX XXXX  the same day called back spoke to a supervisor cant remember his name. He advised me that they did receive the payment but that he couldnt XXXX out my balance until the payment posted he advised me to check my app everyday until the balance was updated. On XX/XX/XXXX I called Capital one again because I seen that my balance was updated to - {$61.00}. I spoke with a lady she advised me that she seen my payment did post on XX/XX/XXXX that she could send me the letter that I needed to send to my lender at that time she sent me the letter via email she also advised me that I had a credit on my account because I over paid. On XX/XX/XXXX I received an email from capital one saying I had a balance of {$6.00} I called capital one again and spoke to a lady again and asked to speak to a supervisor his name is XXXX badge number XXXX he advised me that the pay off amount that I was given was a estimate and that they used the credit that I had of XXXX and that I owed them a balance of {$6.00} because the payment didnt post to the account on XX/XX/2020. I advised him that I have the letter showing that it did. The supervisor advised me that I owe this money because of interest on the account. I advised him that it was incorrect because I did everything they told me to and I paid the full balance I was told to. I also advised him that I would like to make a complaint he said there was no one higher the him I could speak with and that I would still owe the money he advised me that he will not be doing anything about this. So In a matter of one day I had almost a 70 balance of interested on a card that I paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: FACTUAL DATA CORP.
State: TX

Complaint narrative:
On XX/XX/2018 Factual Data made an inquiry on my XXXX  credit report. Because I never authorized Factual Data to pull my credit report, I contacted Factual Data demanding they show valid proof they have permissable purpose to pull my credit report pursuant to The Fair Credit Reporting Act. Factual Data never responded with any type of valid proof that they had permissable purpose to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: Source Receivables Management LLC
State: NC

Complaint narrative:
I HAVE DISPUTED THE ACCOUNT AS FRAUDULENT AND I MAILED ALL DOCUMENTS TO XXXX, AND THE ACCOUNT IS NOT MINE I NEVER HAD XXXX SERVICE, AND I AM ASKING FOR IMMEDIATE DELETION OF THIS ACCOUNT SOURCE RECEIVABLES MANAGEMENT PARTIAL ACCOUNT # XXXX BALANCE {$2400.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I've opened multiple Citibank XXXX ( XXXX XXXX ) credit cards over the last few years and met all of the requirements to earn the promotional XXXX miles for those cards, and Citibank correctly deposited them in my XXXX account.

However, XXXX recently closed my account due to fraud related to my Citibank credit cards! This is completely false - I have followed all of the rules Citibank 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 explanation
Consumer complaint received 2020-05-17 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: William D. Meeker Enterprises, Inc.
State: TX

Complaint narrative:
On XX/XX/2019 CIC Credit made an inquiry on my XXXX  credit report. Because I never authorized CIC Credit to pull my credit report, I contacted CIC Credit demanding they show valid proof they have permissable purpose to pull my credit report pursuant to The Fair Credit Reporting Act. CIC Credit never responded with any type of valid proof that they had permissable purpose to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/XXXX, an unauthorized credit inquiry was made by XXXX, XXXX DBA XXXX XXXX XXXX and I contacted them by phone at XXXX on the same day and again on XX/XX/XXXX. I explained to the credit department of XXXX, that I did not authorize this second inquiry that has been made on XX/XX/XXXX. And that I only authorize the first credit inquiry on XX/XX/XXXX and became a customer of XXXX, XXXX DBA XXXX XXXX XXXX XXXX Provider on XX/XX/XXXX. I was then informed that a deletion of that second credit inquiry would be sent over to Equifax and it would take 30 days to be remove. I contacted XXXX  XXXX again in XXXX, XXXX, XXXX, and again on XX/XX/XXXX. After speaking with XXXX  on XX/XX/XXXX, I filed a dispute with Equifax thinking it would speed up the process. I was wrong. The investigation was completed on XX/XX/XXXX with credit inquiry not being removed and reported accurate. I spoke with XXXX  again and filed another dispute with Equifax on XX/XX/XXXX. That investigation was completed on XX/XX/XXXX with the same results being verified as accurate. I received this information by a confirmation letter mailed to me from the Equifax XX/XX/XXXX. I contacted Equifax by phone twice on XX/XX/XXXX and explained to the customer service representatives the situation at hand. They both only advised me to contact XXXX  again and handle it directly with them. I called XXXX  again at XXXX but received no answer because the office was closed on a Sunday. I also sent an email to Equifax ( XXXX ) and two emails to XXXX, XXXX  ( XXXX ) on XX/XX/XXXX explaining both about my frustrations and having this unauthorized credit inquiry removed and resolved as possible. Another dispute was made on XX/XX/XXXX also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Emmett L. Goodman, Jr., LLC
State: GA

Complaint narrative:
sent notice for debt validation to Emmett L. Goodman , Jr. , LLC on XX/XX/2020 for debt company claimed I owed. As of XX/XX/2020 this company has failed to provide any information via telephone, email or postal service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I've been robbed of my XXXX XXXX AAdvantage airline miles. I opened up a few of these cards due to promotional offers ( i.e. get XXXX AAdvantages miles after spending {$4000.00} ), and met all of the requirements to do so. I received the miles into my XXXX XXXX account, just like Citibank said they would - great! 

However, recently my upcoming flights were canceled and then my entire XXXX XXXX account was closed! I was accused of fraud, and they wouldn't even tell me why. After over a month they finally told me that I had fraudulently obtained AAdvantage miles from Citibank!

I didn't commit any fraud, and I don't understand why Citibank told them I did. This is a flat out lie and I'm extremely frustrated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I purchased a used vehicle in XXXX through GM Financial. This was XXXX XXXX XXXX. I made the first 4months on time if not early. I then got into an accident before the 5 payment was due. The auto policy through XXXX XXXX at the time totaled the vehicle and they took the vehicle. My Gap insurance that was puchases with the vehicle paid the remaining balance. GM financial then tried to collect an amount from me that they forgot to apply to the intrest after the vehical was paid off. I then reported the to the XXXX and the found them at fault as they had to remove it from my credit report on all 3 bureau. Years later approximately around XX/XX/XXXX they started to report to the 3 bureaus again as i tried to call them. And they refuse to fix it. Please look into it

Company response to consumer: Closed with explanation