vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2021, I submitted an auto payment to USAA one day before the scheduled due date where I have an automatic payment plan. I received a pop-up that read " You are currently on an Automatic Payment Plan. By continuing, your next draft will be reduced by the amount of this payment. '' On XX/XX/2021, USAA took another {$900.00} from my account, which immediately placed me in a situation where I wouldn't have enough in checking to cover my weekly obligations. I called USAA on XX/XX/2021 to resolve this issue only to be passed around to different offices. I finally reached the loan department where the operator informed me that USAA starts processing these debits up to 4 days in advance so payments made within that window will be treated as an extra principal payment. I find this highly deceiving as the pop-up that I received did not mention this. Had they, I wouldn't have made this payment. If the USAA web administrator would simply add this note to the already existing warning, I'm sure that it would serve their customer base well and not put them in situations where they couldn't pay their bills. USAA further tells me that there is no way to return the money despite my checking account being USAA with the payment still in " pending '' status. When I told the loan department that I wasnt satisfied with the resolution, I informed her that I would like to dispute the charge. She told me that she would have to transfer me back to the banking department. After transfer, I waited on hold for over 40 minutes before finally hanging up. I later reviewed the Consumer Loan Note Disclosure and Security Agreement and Authorization Agreement for Preauthorized Loan Payments signed on XX/XX/2021 and there is nothing that warns the consumer that payments made within the 4-day window of automatic payment will be ignored. I have been a USAA customer for almost 20 years and have many vested interests through them, I thought that they would be willing to help a lifetime customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021 my wife erroneously paid a {$350.00} capital one credit card bill by missing 2 decimal points and paying {$35000.00}. I contacted capital one the next day and they told me the bank I paid it through could take the money back. I did this and the bank was successful in returning the money to my account. I thought the issue was resolved until my bank notified me that on XX/XX/2021 capital one again took the money and used a technique that prevented the bank from getting it back again. This withdrawal was not authorized and constitutes fraud. It's now XX/XX/XXXX and after 6 phone calls and promises of the money being returned I am told it is under review. I have never dealt with a more dishonest and corrupt company as capital one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-24 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion and XXXX XXXX have ignored my request that the information such as amount owed, date of last payment, the balance, and type/responsibility of account are all incorrect. Although they have said it's been verified I have not received any documents to show the proof. Certified letters with tracking numbers have been sent to both parties and I have not received anything from either party with the documents I have requested. This is not 100 % accurate on my credit report and I would like it deleted off my credit report within 30 days.

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 2021-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
On XX/XX/XXXX, I visited a local dealership with a pre-qualification letter through Capital One. I asked to only have my credit ran through the Capital One bank, as that was the only bank/creditor that I was willing to work with. The salesperson said that it would only be checked with Capital One bank. I received an alert through Capital One that I had inquiries of multiple banks, such as XXXX XXXX. I did not authorize this inquiry. If the dealership was unable to confirm whether or not they were only able to run the credit transaction through Capital One, they should have informed me prior to the credit transaction. Neither the sales person, nor the sales manager on duty, explained that they would not be able to only run it through one bank. My concern is that I have multiple hard inquiries on my account from XXXX XXXX, XXXX XXXX XXXX and the XXXX XXXX XXXX. Only the dealer and Capital One financial should have been authorized. On the Capital One pre-qualification letter, it states : " Let the dealer know to submit your application to Capital One, which will match your pre-qualification and will impact your credit score ''. 

I did mention this to the dealer and it was neglected. I found this to be misleading on Capital One 's behalf, as they said that my credit would only need to be ran through Capital One Auto Financing. Also, I was under the impression that Capital One would be able to " match '' the amount in which I was pre-qualified for. The interest rates/APRs were too high and I wish that this had been construed better prior use of the pre-qualification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
someone took out a speedy cash loan out with my social security number but the loan is in a different name it's not my name but its my social security number the account is not mine I never took out any payday loans. i called the company and tried to dispute this but they are giving me a hard time, they tell me its not my name it's under but its my social. this is ruining my credit for something that doesn't belong to me and I want this company to fix it immediately and be accountable for their mistake in not obtaining proof when giving out loans

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: GA

Complaint narrative:
To Whom It May Concern : On XX/XX/2021 I received an voicemail call from a XXXX from a Selene Finance. XXXX asked for me to call her back. I called the number back at the number she gave on my voicemail ( XXXX ). I got someone else on the phone asking me for my account number & social security number. I informed them that I do not have an account number with your company & that I do not give my social security number to no one. 

The person informed me that I do have an account with Selene Finance & wanted to verify my home address. I reluctantly gave the person my home address & then they asked for my account number & SSN # again. I told them again that I do not give my SSN # to no one & that if the lady XXXX called me & asked me to call her back you should just transfer my call to her being that you can see that she called me & wanted me to return her call back. 

The person said that I do have an account with Selene Financial & that I will need to give him my account # or SSN # to see who called me & that I should contact my current lender to get my account information for Selene Financial. I contacted my current service provider & they informed me that my account did transfer to Selene Financial, but they do not have my account number tied to this Selene Financial account.

This company Selene Financial is pathetic! How are you going to conduct legit professional business if you enquire an new account from another company & do not even mail no correspondences out to the account holder introducing yourselves & provide an account number to the account at hand. And then have the audacity to call me asking me to call you back & when I do you want me to provide you my account number to you? Ridiculous! 

Then I tell you that someone ( XXXX ) from this number & asked me to call her back & you would not even assist me getting back in touch with XXXX which asked me to call her back on my voicemail & she did not mention nothing about a account number on my voicemail to reference the call back to. 

I looked this company Selene Financial up prior to typing this complaint & I see why this company has terrible reviews with the XXXX  & on XXXX. I have not even started yet with this Company & already have an unprofessional negative experience.

Take note Selene Financial how about sending out welcome packets to your new accounts letting them know 30 days in advance what has taken place prior to calling someone. That's what professional companies do. And when that person calls you back you do not want to assist when you actually called the person first. 

I need some correspondence sent to me with my account number on it. You should have did this 30 days ago prior to calling me. How can anyone conduct business with this company if you never sent no correspondences out. Get your act together! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: Block, Inc.
State: FL

Complaint narrative:
I have already contacted the companies involved and Square Inc. refuses to provide any support. All of the other companies have been very forthcoming and helpful. 

On XX/XX/2021 at XXXX a charge posted to my XXXX credit card ending in XXXX in the amount of {$4900.00} from XXXX XXXX XXXX via XXXX ( Square Inc. ) On XX/XX/2021 at XXXX I spoke with the accounting department for XXXX XXXX XXXX in XXXX XXXX, Florida. They not have a charge in that amount on that day. They also do not use Square. 

On XX/XX/2021 at XXXX Square responded they would investigate the issue. 

On XX/XX/2021 at XXXX Square instructed me to contact local law enforcement. Square did NOT provide any of the transaction information I requested.

To date Square refuses to provide any transaction information or accept responsibility for not doing their due diligence. The transaction was completed using false information that square freely accepted as fact. 

I have plenty of supportive documentation to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I was on XXXX XXXX orders from XX/XX/XXXX to XX/XX/XXXX. I was on military forbearance with the XXXX of Minnesota from XX/XX/XXXX to XX/XX/XXXX. I was taken off forbearance and was told that my military orders were not valid and I no longer qualify for military forbearance. I tried to get this taken care of for years, but eventually, they stopped answering my emails and phone calls. From XX/XX/XXXX, I was considered a XXXX veteran and had gotten this debt deleted ( not on credit bureaus but with the government ). Also, I want to note I was a full-time student from XX/XX/XXXX to XX/XX/XXXX This account went delinquent XX/XX/XXXX and finally counted as paid off in XX/XX/XXXX ( 10 months after I was a XXXX  and XXXX-XXXX  XXXX, which is still reflected in my report ). 

The XXXX of Minnesota has been a nightmare to work with while in the military. They need a military-friendly finance center. When it came time to have my loans deleted with XXXX, it took months to get ahold of someone so that I could pay them! 

I called the U of M with this issue and surprisingly got a call back from my student account advisor and was told that she could do nothing to rectify this and that I must dispute. I disputed multiple times with all three bureaus and have gotten no real investigation. I have similar student loans with XXXX, and the late payments were deleted from all reports. The XXXX of Minnesota has to answer for their negligence and delete the late payments from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I was on XXXX XXXX orders from XX/XX/XXXX to XX/XX/XXXX. I was on military forbearance with the XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I was taken off forbearance and was told that my military orders were not valid and I no longer qualify for military forbearance. I tried to get this taken care of for years, but eventually, they stopped answering my emails and phone calls. From XX/XX/XXXX, I was considered a XXXX veteran and had gotten this debt deleted ( not on credit bureaus but with the government ). Also, I want to note I was a full-time student from XX/XX/XXXX to XX/XX/XXXX This account went delinquent XX/XX/XXXX and finally counted as paid off in XX/XX/XXXX ( 10 months after I was a XXXX  and XXXX-XXXX  XXXX, which is still reflected in my report ). 

The XXXX XXXX XXXX has been a nightmare to work with while in the military. They need a military-friendly finance center. When it came time to have my loans deleted with XXXX, it took months to get ahold of someone so that I could pay them! 

I called the XXXX XXXX XXXX with this issue and surprisingly got a call back from my student account advisor and was told that she could do nothing to rectify this and that I must dispute. I disputed multiple times with all three bureaus and have gotten no real investigation. I have similar student loans with XXXX, and the late payments were deleted from all reports. The XXXX XXXX XXXX has to answer for their negligence and delete the late payments from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I was on XXXX XXXX orders from XX/XX/XXXX to XX/XX/XXXX. I was on military forbearance with the University of XXXX from XX/XX/XXXX to XX/XX/XXXX. I was taken off forbearance and was told that my military orders were not valid and I no longer qualify for military forbearance. I tried to get this taken care of for years, but eventually, they stopped answering my emails and phone calls. From XX/XX/XXXX, I was considered a XXXX veteran and had gotten this debt deleted ( not on credit bureaus but with the government ). Also, I want to note I was a XXXX-XXXX  XXXX  from XX/XX/XXXX to XX/XX/XXXX This account went delinquent XX/XX/XXXX and finally counted as paid off in XX/XX/XXXX ( 10 months after I was a XXXX and full-time student, which is still reflected in my report ). 

The University of XXXX has been a nightmare to work with while in the military. They need a military-friendly finance center. When it came time to have my loans deleted with XXXX, it took months to get ahold of someone so that I could pay them! 

I called the XXXX XXXX XXXX with this issue and surprisingly got a call back from my student account advisor and was told that she could do nothing to rectify this and that I must dispute. I disputed multiple times with all three bureaus and have gotten no real investigation. I have similar student loans with XXXX, and the late payments were deleted from all reports. The University of XXXX has to answer for their negligence and delete the late payments from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24 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 — Their investigation did not fix an error on your report
Company: Meridian Financial Services, Inc.
State: OH

Complaint narrative:
XXXX and Meridian Financial have ignored my request that the information such as amount owed, date of last payment, the balance, and type/responsibility of account are all incorrect. Although they have said it's been verified I have not received any documents to show the proof. Certified letters with tracking numbers have been sent to both parties and I have not received anything from either party with the documents I have requested. This is not 100 % accurate on my credit report and I would like it deleted off my credit report within 30 days.

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 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX and XXXX am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/PPC-Date of inquiry XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: FIDELITY CAPITAL HOLDINGS, INC
State: AL

Complaint narrative:
I called Fidelity crd several times stating that the time they are charging me for I was no longer a resident in this area they reported I left without notifying the landlord that's wasn't true I return key and remove myself from property because my lease was up and I never agreed to another lease agreement for the year and months she is reporting me for .Me and my children was living in a XXXX XXXX XXXX at XXXX XXXX XXXX at the dates she is referring to I have text messages saying I paid her what I owe for the month of XXXX, XXXX, and XXXX and then we removed ourself from property

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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:
I have contacted the credit company on inquiry which were not authorized by me. Also contact TransUnion with several letters about these hard inquiries on my credit report. TransUnion refuses to remove these inquiries which were not Authorized by me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: NY

Complaint narrative:
On XXXX XXXX,2021 I opened a money transfer using RIA. the transfer 's order number, XXXX, XXXX for XXXX XXXX XXXX located in XXXX XXXX XXXX On the XXXX XX/XX/ 2021, or the next day, Saturday I canceled the Money Transfer. The amount of the money transfer was {$100.00} plus a fee of {$6.00}. 

At the time of the cancellation, I was told the money would be available in 40 mins. I went to the storefront I purchased the transfer, XXXX XXXXXXXX XXXX XXXX XXXXXXXX NY XXXX.on Sunday the XXXX 2021 to pick up my funds. I was told by the clerk that the funds were not yet available. I began calling Ria almost daily from Monday the XXXX to today, the XXXX. to get an update on the funds. Each time I am told that the bank in XXXX has not released the funds.. Today when I called I received the same reason and that the funds were not available. When I told the operator or agent that I was thinking of placing a complaint, FTC, I was told that the funds were ready for pick up. I am going to the storefront to see if my funds are available

Company response to consumer: Closed with explanation