vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-23 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: Advanced Recovery Systems, Inc.
State: MS

Complaint narrative:
XXXX and Advanced Recovery system has majorly violated my credit report by reporting this inaccurate account. 

This account was deleted from my credit report and re-inserted which is a violation under FCRA 611 part A, 5 B ( ii ) by failing to provide a written notice within 5 days Further more they added this account back and reported a late payment it is impossible for a collection to report a late payment. 

They have also re-aged the date of last activity which should reflect the last date a payment was made. 

Furthermore I have no knowledge of this collection and do not have any agreement with advance recovery system. It is a violation to assume that I owe a debt that hasnt been properly validated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: CA

Complaint narrative:
Yesterday, XX/XX/2022, Capital One assessed a " Returned Online ACH Payment '' in the amount of {$400.00} to my XXXX credit card with them. This was due to me attempting to pay off my entire balance of {$4900.00} on XX/XX/2022 via Capital One 's mobile app on my phone. The payment source I had selected was my XXXX bank account, which was negative at the time due to recently miscalculating my available balance when making payments, and getting hit with multiple {$34.00} insufficient funds fees from XXXX as a result. 

I attempted the payment because I felt overburdened with debt, and I was in a very emotional state because that day was the day I finally decided my dog had fought long and hard enough, and it was my duty as an owner to put him out of his misery. I have proof in the form of a receipt from XXXX XXXX XXXX in XXXX, California that I euthanized my XXXX dog late in the night on XX/XX/XXXX, going into the morning of the XXXX. 

I knew that if I had managed my finances better, and worked harder, I could have made my dog 's last 6 months much more comfortable via specialty treatment and therapeutics, and perhaps even prolonged his life by a few years by having a surgical intervention for his collapsing XXXX. I was frustrated and my judgement was impaired due to the situation I was facing financially and emotionally in regards to my dog. 

I made a bad decision trying to process that payment that I knew my bank account wasn't good for, but it was a momentarily lapse in judgement, and I honestly didn't even expect the payment to go through. Now the payment has been returned, and Capital One is trying to abuse me with a {$400.00} charge that I'm not in a situation to pay. 

I have made all of my payments for all of my credit cards for almost three years straight now, and I don't know if what Capital One is doing here is even legal, but I know it doesn't feel right. They already charge me exorbitant interest around 25 % APR, meaning my roughly {$5000.00} debt with them is worth around {$1200.00} in annualized profits. Adding another {$400.00} to that for a simple mistake is absolutely ludicrous. 

At this point I'm doing everything I can to tread water financially, and I really need an advocate rather than more of my time wasted talking to customer service where I'm sure they will say there's nothing they can do about the charge. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Hello, I have submitted two pervious complaints about the unethical practices of Citi. I opened an account with Citi and they would not give me access to my account and continued to flag my account for fraud because I didn't have what they considered to be the right phone number. 

I don't live near a Citi bank so I ended up flying to XXXX  specifically to deal with Citi and unlock the account. I went into a branch near XXXX, gave my ID and passport to the manager and sat for an hour while he unlocked my account. He apologized a lot for the inconvenience and was super helpful. I should have closed then and there but the manager was so helpful and assured that was a unique incident. He even updated my phone to a new number on my account. 

I left and went back to my home away from a Citi bank and within days my account was blocked and I could not do anything because they said my phone number wasn't correct again. So I used my checks to withdraw all the account 's funds and sent an email to the bank manager in XXXX as well as called the Citi hotline numerous times, but again, they would not close my account because they said they couldn't verify my identity because of my phone number. 

Then, they have continued to send me emails saying I owe THEM fees because I didn't close the account and the balance was 0. Recently, they sent a message saying they closed my account and I owe them XXXX $ or they will send to collections. 

How is this possible? They wouldn't let me close the account over the phone or online, I don't live near a branch and the only option they provide is to fly to a close branch and do it in person. They already locked me out of my funds for over 5 months and forced me to make a trip to a city with their branch because of their obsolete protocols, then they won't let me close and try and charge fees??? 

I am extremely happy they closed my account as I want nothing to do with this awful bank and I have already opened accounts with other more reliable firms, but charging fees for not closing my account sooner when they blocked me from closing my account sounds like it should be illegal.

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 2022-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 2022-01-23 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: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I opened a Pentagon Federal Credit Union visa credit card and a checking account overdraft line of credit on XX/XX/XXXX. At the time, I was working and healthy and could repay this credit obligation. In XXXX I became ill and unable to work and meet my credit obligations. Ultimately this account closed and then charged off into collections. When I could return to work and start repaying my financial commitments, I arranged a payment plan with Pentagon Federal Credit Union. I informed Pentagon Federal Credit Union that the balance would be paid in full, and I would not accept a settlement as the debit was mine, and I believe in repaying what I owe. Having said all that, I followed thru on the payment plan making restitution in full. Right before my last payment, I confirmed that once the account was paid in full, the adverse monthly reporting of the account would stop, and it would read as account closed, paid in full on my credit report. I have disputed both of these accounts numerous times with the credit reporting agencies ; each time getting an update that says the accounts are reporting correctly. Then I get a nasty letter directly from a Pentagon Federal Credit Union employee named XXXX XXXX. This individual refuses to return phone calls and based on her letters calling my request " frivolous '' in nature is unacceptable and just plain mean and punitive.

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 2022-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
This account has been reporting incorrectly on my credit report for months. I received a letter stating that I did not owe anything else on this account. Due to the incorrect reporting and inconsistent to all 3 bureaus, This account should be removed from all credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: IL

Complaint narrative:
During sometime back in XXXX of XXXX I believe I became a victim of identity theft. Someone may have stolen all of my personal information and from that point they began to open up credit cards and receive financial assistance in my name without my acknowledgement! All this was going on without my knowledge for a total of about 6 years. On about XX/XX/XXXX I decided to apply for and open up credit accounts for myself and this is when I found out that I was a victim of identity theft. I immediately contacted all three credit bureaus and reported the fraud. I sent in all needed documents to verify that it was not me. I have also blocked anything from my report without my knowledge. The accounts are listed as XXXXXXXX XXXX XXXX {$1000.00}, XXXX XXXX {$1100.00}, XXXX XXXX  XXXX {$12000.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX  XXXX {$500.00}

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 non-monetary relief
Consumer complaint received 2022-01-23 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 — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
USAA continues to try to re-apply closed accounts to my credit. I have let the credit company know what has happened and USAA has been blocked from entering info on my credit. 

Additionally if USAA decides to up these new accounts on my new XXXX i will also dispute those and get USAA blocked from that credit report as well. 

USAA needs to stop trying. you are blocked and will continue to stay that way. having monthly phone calls with a berue rep to stop you guys is annoying. stop harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I opened a XXXX XXXX XXXX XXXX visa credit card and a checking account overdraft line of credit on XX/XX/XXXX. At the time, I was working and healthy and could repay this credit obligation. In XXXX I became ill and unable to work and meet my credit obligations. Ultimately this account closed and then charged off into collections. When I could return to work and start repaying my financial commitments, I arranged a payment plan with XXXX XXXX XXXX XXXX. I informed XXXX XXXX XXXX XXXX that the balance would be paid in full, and I would not accept a settlement as the debit was mine, and I believe in repaying what I owe. Having said all that, I followed thru on the payment plan making restitution in full. Right before my last payment, I confirmed that once the account was paid in full, the adverse monthly reporting of the account would stop, and it would read as account closed, paid in full on my credit report. I have disputed both of these accounts numerous times with the credit reporting agencies ; each time getting an update that says the accounts are reporting correctly. Then I get a nasty letter directly from a XXXX XXXX XXXX XXXX employee named XXXX XXXX. This individual refuses to return phone calls and based on her letters calling my request " frivolous '' in nature is unacceptable and just plain mean and punitive.

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 2022-01-23 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: NJ

Complaint narrative:
I opened a XXXX XXXX XXXX XXXX XXXX credit card and a checking account overdraft line of credit on XX/XX/XXXX. At the time, I was working and healthy and could repay this credit obligation. In XXXX I became ill and unable to work and meet my credit obligations. Ultimately this account closed and then charged off into collections. When I could return to work and start repaying my financial commitments, I arranged a payment plan with XXXX XXXX XXXX XXXX. I informed XXXX XXXX XXXX XXXX that the balance would be paid in full, and I would not accept a settlement as the debit was mine, and I believe in repaying what I owe. Having said all that, I followed thru on the payment plan making restitution in full. Right before my last payment, I confirmed that once the account was paid in full, the adverse monthly reporting of the account would stop, and it would read as account closed, paid in full on my credit report. I have disputed both of these accounts numerous times with the credit reporting agencies ; each time getting an update that says the accounts are reporting correctly. Then I get a nasty letter directly from a XXXX XXXX XXXX XXXX employee named XXXX XXXX. This individual refuses to return phone calls and based on her letters calling my request " frivolous '' in nature is unacceptable and just plain mean and punitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I opened a XXXX XXXX XXXX XXXX XXXX credit card and a checking account overdraft line of credit on XX/XX/XXXX. At the time, I was working and healthy and could repay this credit obligation. In XXXX I became ill and unable to work and meet my credit obligations. Ultimately this account closed and then charged off into collections. When I could return to work and start repaying my financial commitments, I arranged a payment plan with XXXX XXXX XXXX XXXX. I informed XXXX XXXX XXXX XXXX that the balance would be paid in full, and I would not accept a settlement as the debit was mine, and I believe in repaying what I owe. Having said all that, I followed thru on the payment plan making restitution in full. Right before my last payment, I confirmed that once the account was paid in full, the adverse monthly reporting of the account would stop, and it would read as account closed, paid in full on my credit report. I have disputed both of these accounts numerous times with the credit reporting agencies ; each time getting an update that says the accounts are reporting correctly. Then I get a nasty letter directly from a XXXX XXXX XXXX XXXX employee named XXXX XXXX. This individual refuses to return phone calls and based on her letters calling my request " frivolous '' in nature is unacceptable and just plain mean and punitive.

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 2022-01-23 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: IL

Complaint narrative:
During sometime back in XXXX of XXXX I believe I became a victim of identity theft. Someone may have stolen all of my personal information and from that point they began to open up credit cards and receive financial assistance in my name without my acknowledgement! All this was going on without my knowledge for a total of about 6 years. On about XX/XX/XXXX I decided to apply for and open up credit accounts for myself and this is when I found out that I was a victim of identity theft. I immediately contacted all three credit bureaus and reported the fraud. I sent in all needed documents to verify that it was not me. I have also blocked anything from my report without my knowledge. The accounts are listed as XXXX XXXX XXXX {$1000.00}, XXXX XXXX {$1100.00}, XXXX XXXX XXXX {$12000.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: CA

Complaint narrative:
I check my credit score report 3 bureau and on XX/XX/2022 XXXX XXXX, XXXX XXXX BUT EXPERIAN only XXXX!!!!!!!!! This corrupt company constantly sends advertisements for monthly subscriptions to increase your credit score, but if you don't subscribe they keep your score low by means of pressure and blackmail!

Please Help me recovery my normal credit score without any payments that company!!!!!!

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 2022-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There was an account fraudulently opened in my name with Wells Fargo, I spoke with them to fix the situation and close the account. The account is still open and it is impossible to speak with a human at Wells Fargo

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 2022-01-23 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: GA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FRCA by your company. This has caused me financial injury and defamation of character. I can not get a job, buy a house or apply for any credit. This has hurt my ability to obtain credit.

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 2022-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington Bank consistently runs maintenance at XXXX am to XXXX am EST, not allowing customers to check their account balances online or by calling their telephone banking services. This causes lower class and minority customers like myself to overdraw accounts and the embarrassment of declined cards during. This also takes advantage of individual who may be consuming alcohol during these hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: NY

Complaint narrative:
I have been having a problem with SN Servicing, the company who previously held my mortgage. They have been unresponsive. I have been trying to refinance my home and my mortgage broker has informed that SN servicings records show I was not timely with my payments and that missed some payments. I have never been late or defaulted on mortgage payments. I have made numerous attempts to have SN servicing correct their records and show accurate information so that my refinancing is approved. I have copies of my cancelled checks showing that payments were made timely and I was current. 

In addition, SN servicing sold my mortgage to XXXX XXXX. By the time I received notice of such, I had already made my monthly payment. SN servicing cashed my last check and have not forwarded the payment to XXXX XXXX despite my requests to for them to do so. I have personally spoken to and sent emails to both XXXX XXXX and XXXX XXXX who have ignored my requests for the records to be updated and my last payment to be forwarded to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: GA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FRCA by your company. This has caused me financial injury and defamation of character. I can not get a job, buy a house or apply for any credit. This has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation