vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-29 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX USAA refuses to send fraud reports of {$1.00}, XXXX UNRESOLVED FRAUD on my accounts. See attatched FRAUD LETTER XX/XX/XXXX {$470.00} fraud claim date XX/XX/XXXX. Ten months AFTER fraud of {$470.00} until investigation is complete and temporary credits now become permanet. ( ** How do permanet credits apply to the balance of XX/XX/XXXX which was {$470.00} CALCULATED TEN MONTHS PRIOR? ) XXXX XXXX {$120.00} & XXXX {$210.00} ARE NOT INCLUDED IN THE {$470.00}. These transactions I reported UNAUTHORIZED that TOTAL the {$470.00} are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} The XXXX XXXX {$120.00} & The XXXX {$210.00} ARE * NOT INCLUDED IN FRAUD I REPORTED XX/XX/XXXX. XXXX attatched XX/XX/XXXX statement XXXX {$170.00} XXXX {$170.00} XXXX {$340.00} USAA began fraud investigations XX/XX/XXXX, XXXX attatched XX/XX/XXXX statement. See attatched Fraud Letter of XX/XX/XXXX {$12.00} & Fraud Letter of XX/XX/XXXX {$12.00} & of XX/XX/XXXX {$49.00} & of XX/XX/XXXX {$10.00} XXXX XXXX XXXX XXXX TOTAL {$150.00}. See attatched Statement of XX/XX/XXXX XX/XX/XXXX NEW CHARGES NOT CREDITS OF {$340.00} & NEW CHARGES NOT CREDITS of XX/XX/XXXX, XXXX XX/XX/XXXX Purchases {$470.00} = TOTALS {$810.00} NEW CHARGES NO PERMANET CREDITS. XX/XX/XXXX the disputes USAA converted from fraud I reported XX/XX/XXXX were NOT IN MY FAVOR PUT BACK ON CARD XX/XX/XXXX. Then ( 5 ) Five months later USAA letter of XX/XX/XXXX SAYS transactions are UNAUTHORIZED. They can not be both UNAUTHORIZED & NOT IN MY FAVOR TOO?? I DO NIT BELIEVE USAA INVESTIGATED FRAUDC XX/XX/XXXX STATEMENT {$470.00} THERE ARE ARE NO TEMPORARY CREDITS TO MAKE PERMANET?? XXXX USAA DENIED ME THE RIGHT TO REPORT FRAUD XX/XX/XXXX CONVERTING what I reported fraud INTO DISPUTES THAT REVERSED CREDITS OF {$1.00}, XXXX NO USAA CREDITS EVER GIVEN. {$470.00} XX/XX/XXXX + $ XXXX $ XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX = TOTAL. {$1.00}, XXXX UNRESOLVED FRAUD FROM XX/XX/XXXX TO XX/XX/XXXX AND {$1.00}, XXXX REVERSED CREDITS of DISPUTES NOT IN MY FAVOR?? USAA FRAUDS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

INCORRECT ADDRESS : XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXXXXXX INCORRECT NAME Reported : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, INCORRECT Telephone Numbers Reported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX INCORRECT Employment Data Reported : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect. 


INCORRECT ADDRESS : XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV  XXXX INCORRECT NAME Reported : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, INCORRECT Telephone Numbers Reported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX INCORRECT Employment Data Reported : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am concerned that BoA may have been used in a fraud on its depositors. I contacted my account at BoA and was informed online that I needed to provide the correct contact information for a credit card number I do not have ( last 4 numbers XXXX ). I called BoA who passed me off to several different lines, none of whom responded. I was online with no response for 45 minutes ( I timed this so I could report it ) and then called my wealth management adviser. I learned that this might be phishing, but I could not get it resolved. I would like the CFPB to be aware that BoA accounts may be insecure or may have been inadvertently penetrated. Regardless, they provided no assistance when I called to alert them of the occurrence and at one point, dropped my call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: MN

Complaint narrative:
I asked for something that's bearing my signiture on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-29 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: TX

Complaint narrative:
FTC violations sent police reports with other disputes

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 2020-02-29 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: TX

Complaint narrative:
FTC violations sent police reports with other disputes

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 2020-02-29 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: NV

Complaint narrative:
I RECNTLY STARTED MONITERING MY CREDIT AND I SEE MANY ACCOUNTS THAT ARE NEGATIVE ON MY REPORT THAT I NEVER OPENED. I AM ANGRY MY INFORMATION WAS COMPRIMISED AND SOMEONE USED MY INFORMATION. I FEEL VIOLATED AND I WANT THESE INACCURATE ACCOUNTS REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: NV

Complaint narrative:
I RECNTLY STARTED MONITERING MY CREDIT AND I SEE MANY ACCOUNTS THAT ARE NEGATIVE ON MY REPORT THAT I NEVER OPENED. I AM ANGRY MY INFORMATION WAS COMPRIMISED AND SOMEONE USED MY INFORMATION. I FEEL VIOLATED AND I WANT THESE INACCURATE ACCOUNTS REMOVED

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 2020-02-29 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: NV

Complaint narrative:
I RECNTLY STARTED MONITERING MY CREDIT AND I SEE MANY ACCOUNTS THAT ARE NEGATIVE ON MY REPORT THAT I NEVER OPENED. I AM ANGRY MY INFORMATION WAS COMPRIMISED AND SOMEONE USED MY INFORMATION. I FEEL VIOLATED AND I WANT THESE INACCURATE ACCOUNTS REMOVED

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 2020-02-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I have went to the police and gotten a police report, sent it over to Chrysler Capital urging them to discontinue reporting a fraudulent car loan that apparently was taken out on XX/XX/2014. My name was used along with my other personal identifying information. I have submitted a fraud packet to Chrysler Capital as they requested I do and it didnt change a thing. I have contacted XXXX  over and over again and they dont seem to care about it. This has been getting reported on my credentials with XXXX  as delinquent and derogatory. XXXX  and XXXX  had not problem removing it but XXXX  has been playing hard ball. Because of this fraudulent account being on my credentials I have since been denied for credit cards, personal loans, jobs, apartments, etc. I have a stack of about 15 denials I have had over the years because of this false information. Going back and forth with these companies for the last 6 years has caused me a great deal of stress and anguish. I pay my debts, I have since had a auto loan with XXXX XXXX of which has been completely paid off and have a current one with XXXX XXXX XXXX, which I have been on time with all my payments since the beginning. It doesnt make sense to not pay a loan that was never mine. Please Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
I received a reciept from someone who has account with wells fargo to transfer fund of XXXX and he gave me reference id XXXX and asked me to pay XXXX rupees XXXX on XXXX XX/XX/XXXX as International transfer tax charge. So I paid XXXX on XX/XX/XXXX to an XXXX account. 
Again on same day I received another email to pay XXXX as currency conversion charges. So on same day I transferred XXXX to same XXXX account. 
Later on Received another mail to pay XXXX as sn activation charges and gave me time for 48 hours. which I was unable to. 
After so many hassle after two weeks I was able to arrange the money. 
On XX/XX/2020 I again transfered the amount XXXX to an XXXX account but this time it was different account.. On XX/XX/XXXX again I was asked to pay XXXX as late fee. so on same day I tranfered the amount. 
After that on XX/XX/2020 i was again asked to pay XXXX to release the payment as currency conversion charges. After fee hours I am.again asked to.pay XXXX to release the fund. which I refused to pay they said if i make this payment momey would be credited within 2 hours. But after making payment I am askes to.pay more. So on XX/XX/XXXX i paid XXXX and they confirmed me i would get the money refunded within an hour. now again they are asking me to pay XXXX I asked who are this XXXX people they said XXXX income tax department. 
Every now and then I am being asked to pay. 
After my last payment there is no reply from wells fargo. 
I have attached few documents I will send once it would be asked

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 2020-02-29 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: CA

Complaint narrative:
I purchased XXXX XXXX XXXX XXXX XXXX from XXXX  and used my XXXX account to pay for those 2 creme for {$160.00} on XX/XX/XXXX. The XXXX  account was linked to my capital one credit card account. The credit card account was owned and used by me for more than 10 years. It generally provides very good services and I never had problem with it until this transaction. 
The creme I purchased was stored in my cabinet unused in original package for 1 year. The storage life of the creme is 3 years. I opened one of the creme in XX/XX/XXXX and found it has strong smell and the oil and texture of the creme is separating. This creme has dramatically different texture compared to the authentic XX/XX/XXXX and fragrance is different too. So, I reached out to ebay and was told that ebay protects customers within 45 days of receipt. I reached out to XXXX and was told XXXX protects customer for 6 months of receipt. XXXX said my credit card company can protect this kind of bogus buy. I reached out to Capital One and after many calls and rounds of proofing letters with capital one, capital one declined my claim because my transaction was a year old. I dont understand why a non authentic luxury skincare is not considered fraud. There are so many bogus sellers selling fake luxury skin cares on XXXX. And because of its storage life, many users cant discover the authenticity until they actually use it. Capital one should protect me and all other consumers from those bogus and maybe toxic skin care products as long as consumers can prove they are in valid storage life and has 98 % content left unused. Its fraud to me and should be protected no matter how long ago they were purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: FL

Complaint narrative:
Transunion is still reporting my information incorrectly for the XXXX XXXX XXXX XXXX credit card that I have with the company XXXX. XXXX the supervisor at XXXX, has already informed me via phone call on XX/XX/XXXX that the 2 months for XX/XX/XXXX and XX/XX/XXXX, have been updated on their internal system to reflect that I was NOT late for those months, and that I have 100 % perfect payment history. This information was also submitted by XXXX to all 3 credit bureaus. Also, because my account history is 100 % payments made on time, XXXX XXXX XXXX XXXX also approved me for a credit limit increase from {$1200.00} to the new credit line of {$2400.00}. Credit report is still reflecting me as 2 late payments, still has not updated my new credit limit to {$2400.00} and even though I made a payment to lower my balance from {$69.00} down to {$30.00}, it has not updated to show that my current balance reported is {$30.00}. Please update because this will help boost up my credit score and will also keep my report up to date and accurate. 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 2020-02-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
On Friday, XX/XX/2016, my account was due for the XX/XX/2016, mortgage payment. I telephoned Mr. Cooper on Friday XX/XX/XXXX, trying to make a mortgage payment however I was unsuccessful in reaching anyone that day, for reasons I can not recall. 

I contacted Mr. Cooper on Monday XX/XX/2016 because their institution was closed Saturday, Sunday and Monday due to the holiday. On XX/XX/XXXX, I spoke with a team member to attempt to make my payment and the team member advised me that they were unable to accept my XX/XX/2016 payment because I did not make my payment on the XX/XX/XXXX and due to the terms of my agreement ( completed loan modification ) my account did not have an allowable grace period. The team member further explained that the only way they would accept the XX/XX/XXXXpayment is if I advanced the XX/XX/2016, payment as well. This would mean, I would need to make both the current month due and a future payment as well. 

At that time, I did not have the additional reserved funds to make both the current XX/XX/2016 and a future XX/XX/2016, mortgage payment together. I was advised to reach out to friends/family or take out a personal loan in order to make the XX/XX/2016 and XX/XX/2016, payments. 

I attempted to apply for a loan modification after I made numerous attempts to make my mortgage payment, but I was denied the ability to do so because I was required to make XX/XX/XXXX and additional payments at once when I didnt have the resources to do so at that time. My account was then referred to foreclosure and after speaking with the VA, the VA advised me to try to apply for payment assistance options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: TX

Complaint narrative:
FTC VIOLATONS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX is one of the collection agencies that uses an Automatic Dialer to call consumers to collect. Our clients will often ask us why they are getting called from a company that will always hang up on them or will have no one on the line with them when they answer the phone. 

Major Producer of Merged Credit Reports Agrees to Settle Charges of Violating Fair Credit Reporting Act ; Settlement Would Require Company to Investigate ; Take Other ActionsFirst American Real Estate Solutions, LLC ( " FARES '' ) has agreed to settle Federal Trade Commission charges that First American CREDCO ( " CREDCO '' ), now a division of FARES, violated the Fair Credit Reporting Act ( " FCRA '' ) by, among other things, failing to investigate information disputed by consumers in certain credit reports -- known as instant merge reports -- prepared by CREDCO. FARES is based in XXXX XXXX, Florida ; XXXX is based in XXXX XXXX, California. 
FTC 's Privacy Rule and Auto Dealers : The Federal Trade Commission ( FTC ) has developed these additional FAQs to help auto dealers comply with the Gramm-Leach-Bliley Act and the FTCs Privacy Rule. The following questions and answers show how the Privacy Rule applies to specific situations that auto dealers may face. Before reading this, you may want to familiarize yourself with the FTCs small business guide, How To Comply with the Privacy of Consumer Financial Information Rule of the Gramm-Leach-Bliley Act, and the Frequently Asked Questions for the Privacy Regulation. Other business guidance is available on the FTCs Gramm-Leach-Bliley Act page.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: ID Analytics, Inc.
State: CA

Complaint narrative:
Letter dated XXXX XXXX Applied for car loan and purchased was affected based on a credit score from SAGESTREAM LLC. of XXXX but all my credit scores from the 3 legitimate normal sources of XXXX, XXXX, XXXX were 700 + scores. I dont understand how a company that not even the dealership has heard of as I checked with them after receiving letter Can affect someone built good credit history be allowed to do business ... please look into this nonsense as I have now researched numerous people complaint about the same situations ... 
Ps : I car the loan for the car but my interest rate was affected do to their negative score in miss information

Company response to consumer: Closed with explanation