vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
My XXXX credit report is reflecting random fake payments ( mostly late ) on an account that was paid off and closed in XX/XX/XXXX. The lender, Capital One Auto, suddenly started reporting payments again in XXXX and continue to do so. I have sent numerous challenges to the creditor, but they keep responding that the information reported is accurate. I have also initiated several disputes with XXXX, but they keep saying the dispute has been resolved. Yet, the inaccurate information remains on my credit report. Neither the creditor nor the credit bureau have taken this investigation seriously, and my credit  score is being negatively impacted by the multiple recent delinquent payments that are being inaccurately reported. 

I am not sure how I am supposed to prove that I am NOT making payments to a creditor, but this information needs to be corrected. This has dragged on too long, and I dont even understand why a credit bureau would allow a creditor to randomly start reporting payments on an account that is reported as closed with a {$0.00} balance. The reporting even shows a status of Paid and Closed with a {$0.00} balance, and last activity in XX/XX/XXXX. So why are they reporting payments in XXXX and XXXX? These are completely made up payments, as I do not owe Capital One Auto any money, nor have I made any payments to them since XXXX. XXXX is the only credit bureau showing these fake late payments on my report. The other bureaus are reflecting the account accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
USAA Federal Savings Bank repeatedly credits debits first on the date that a direct deposit arrives. The bank credits the larger debits first, draining available funds, returns other debits causing fees, then credits the direct deposit to collect their fees. 

USAA has done this several times. I have contacted them, and I was told there was nothing that could be done. This is an unfair practice done simply to squeeze fees out of the consumer. There was a pending direct deposit the same day for more than enough to cover any debit, so there was no reason to return any debit, let alone stack up fees. 

USAA has done this most recently to me on XX/XX/XXXX and XX/XX/XXXX. It has also happened to my spouse. While we have set up overdraft protection and in some cases the debits were covered and not returned, USAA returned a debit for {$1.00} on XX/XX/XXXX, when a transfer of {$30.00} was made that same day. I know other veterans that use USAA have had this issue as well. Please investigate this unfair practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax has placed a lock on my credit file which is preventing me from being able to pull my report when needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander consumer USA has been advised of fraudulent auto loan issued by auto dealership XXXX XXXX XXXX XXXX TX, Formerly known by XXXX XXXX XXXX mis represented loan requirements plus added state sales tax to the loan against my wishes. Vehicle purchase was on XX/XX/2019. 6 months have lapsed and dealership has kept approximate {$2800.00} that was added to loan specifically as state sales tax. Santander usa has  been notified of vehicles status and inability to be legally driven due to dealers failure to license / register, pay sales and title. Dealer temp tag expired mid XX/XX/2019. I purchased vehicle in Texas as non resident and there is a distance of XXXX miles between my residence and dealership. Dealership has ceased all communications with me and has decided to completely ignore all my communications. Upon last communication from dealership general manager XXXX XXXX, XXXX via email notified me that by XX/XX/2019, I would have plates for vehicle. XX/XX/2019 has passed and I received nothing. State DMV confirms they is currently nothing in their pending files that matches vehicles Vin. I have spent countless hours advising Santander usa of  dealers current default by breach of contract and not complying with stipulations in contract, in addition I remind Santander usa that as of mid XXXX I am making payments on a loan for a vehicle my family and myself can not legally drive. Santander usa has opened and closed 3 escalations and offered zero resolution to matter. Santander continues to profit of loan interest being fully aware dealer has defaulted. I have advised Santander usa of my demand to dealer to unwind loan and intent of purchasing a replacement vehicle as of XX/XX/2019. Complaint to Texas DMV and  dealers board has been filed and awaiting results of investigation. Meanwhile dealership continues to ignore my communications, has pocketed approximately {$2.00} ; 800, Santander usa profits from monthly loan payments, and vehicle sits on my property unable to be legally driven.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I called Security Team at Citi Bank and they said they could not help me! 
They told me if I could not give them the exact number of the card from almost 1 year ago between XX/XX/XXXX-XX/XX/XXXX then Their was nothing they could do to help. 
I was astounded!! 
I told her, " I have the statements in front of me, in my hand that were sent to me by Citi Bank and you are saying we won't help you because you may have shredded your old card? '' 1. THIS IS HORRIBLE CUSTOMER CARE 2. THEY KEPT SAYING THEIR US NO CARD # XXXX ON FILE WITH MY NAME ON IT ; THIS IS IMPOSSIBLE AS I'VE PROOF 3. THEIR IS A CARD ENDING XXXX TGAT " IS NOT MINE ''!!!

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 2019-09-08 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: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND I HAVE BEEN TRYING TO GET THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT FOR SOMETIME NOW AND I HAVE HAD NO HELP OR RESPONSE FROM THE CREDITORS OR CREDIT REPORTING COMPANIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Evans & Mullinix, PA
State: MO

Complaint narrative:
Collection Attorney for Nebraska XXXX XXXX XXXX XXXX XXXX XXXX demanded contact information for my XXXX  XXXX and then called him and disclosed information about the debt. Violated Fair Credit Collection act by disclosing information to a 3rd party

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND I HAVE BEEN TRYING TO GET THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT FOR SOMETIME NOW AND I HAVE HAD NO HELP OR RESPONSE FROM THE CREDITORS OR CREDIT REPORTING COMPANIES.

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 2019-09-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND I HAVE BEEN TRYING TO GET THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT FOR SOMETIME NOW AND I HAVE HAD NO HELP OR RESPONSE FROM THE CREDITORS OR CREDIT REPORTING COMPANIES.

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 2019-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Capio Partners, LLC
State: FL

Complaint narrative:
XXXX Found 5 accounts on my credit report in the amounts of XXXX, XXXX and XXXX reported on XX/XX/2019 from Assetcare LLC. I called the company and asked them about the amounts and they would not give me information or why they were put on my credit report for XXXX. I filed a dispute with XXXX for the XXXX. The above amounts are old collections that fell off after 7 years and they put them on. I never received a call or a bill for these amounts and what they are for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I just received a message from the Equifax breach settlement telling me they were not going to honor the original terms of the agreement reached with the FTC ( by the way, the FTC sent me here when I tried to fil the complaint with them ). They were instead unilaterally cutting down the amount of money we were to be compensated, and we had to jump through more hoops to actually get that money. 

Furthermore, we don't even know what the new amount might be, as there is no floor on how much compensation we will be getting. I could be getting back all of a penny, the way the new agreement has been worded. 

Worst of all, I got literally no say in this whatsoever. I jumped through all the hoops the first time the agreement was signed and the site put up for us to file on. And now even though I kept up my end of the agreement, it gets changed against me without me having any say whatsoever. As far as I'm concerned, this is fraud, and Equifax can not be trusted to follow through at all. 

See the new wording here : https : XXXX XXXX with original wording and how to file here : https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Suntrust blocked my card from any type of transaction, locked me out of the app and then closed my account. The account was in good stands, no overdraft. They simply pursue this method because I didnt go to the bank with my id to state my employment situation, of which I told them on the phone that currently I was a stay at home mom. I have this same account for over a decade. I called them today and nobody cant tell me where my money is, I will have to call Monday. It is a disgrace that a bank can wreck my finances like this, I am lucky that I have credit card otherwise I wouldnt have access to any cash until I get, if I get, the cash I had in 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 2019-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC
State: NV

Complaint narrative:
# XXXX, showing in printout of my credit, but not on the screen. {$20.00} in XXXX or XXXX, the Dr 's office on XXXX XXXX in XXXX refused to bill correctly, bill now with ATG bill collectors. Left that office because I was totally disrespected in the office. Visited only twice after my original Dr retired next door, once to register & 1 follow-up appointment. I had XXXX XXXX & XXXX. Bill should have been paid if billed correctly. Called several times, office was totally unprofessional. Please removed this derogatory blimish. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Hard inquiries that I did not make and ask to be removed I could not do it online because its asking me to. Pay and over the phone. I got hung up on and told to mail with TransUnion XXXX did not help me at all even though they had a recent security breach

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 2019-09-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is maliciously, recklessly and purposefully reporting an unauthorized hard inquiry by XXXX XXXX dated XX/XX/XXXX. First of all I commend XXXX XXXX for doing such a thorough investigation once I made them aware of this situation. Although I have requested an investigation numerous times from Equifax and also complained with the CFPB about the inaccurate hard inquiry reporting by Equifax regarding this inquiry, Equifax purposely continues to report it unauthorized, even after I informed them that I was a victim of several data breaches. This is Malicious and Reckless on their part. Equifax lied about their investigation because XXXX XXXX stated in the letter enclosed in this Complaint that they NEVER received a dispute by Equifax. Equifax not only lied, but did not perform a reasonable investigation into this issue. Equifax enabled me to be a victim of identity theft. XXXX XXXX has requested Equifax to delete this hard inquiry since XX/XX/XXXX but Equifax has yet to comply. Equifax needs to immediately remove this hard inquiry by XXXX XXXX from my credit file immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is maliciously, recklessly and purposefully reporting an unauthorized hard inquiry by XXXX XXXX dated XX/XX/XXXX. First of all I commend XXXX XXXX for doing such a thorough investigation once I made them aware of this situation. Although I have requested an investigation numerous times from Experian and also complained with the CFPB about the inaccurate hard inquiry reporting by Experian regarding this inquiry, Experian purposely continues to report it unauthorized, even after I informed them that I was a victim of several data breaches. This is Malicious and Reckless on their part. Experian lied about their investigation because XXXX XXXX stated in the letter enclosed in this Complaint that they NEVER received a dispute by Experian. Experian not only lied, but did not perform a reasonable investigation into this issue. Experian enabled me to be a victim of identity theft. XXXX XXXX has requested Experian to delete this hard inquiry since XX/XX/XXXX but Experian has yet to comply. Experian needs to immediately remove this hard inquiry by XXXX XXXX from my credit file immediately!

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 2019-09-08 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: LA

Complaint narrative:
Hard inquiries that I did not make and ask to be removed I could not do it online because its asking me to. Pay and over the phone. I got hung up on and told to mail with XXXX  Equifax did not help me at all even though they had a recent security breach

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 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: NY

Complaint narrative:
TransUnion is maliciously, recklessly and purposefully reporting an unauthorized hard inquiry by XXXX XXXX dated XX/XX/XXXX. First of all I commend XXXX XXXX for doing such a thorough investigation once I made them aware of this situation. Although I have requested an investigation numerous times from TransUnion and also complained with the CFPB about the inaccurate hard inquiry reporting by TransUnion regarding this inquiry, TransUnion purposely continues to report it unauthorized, even after I informed them that I was a victim of several data breaches. This is Malicious and Reckless on their part. TransUnion lied about their investigation because XXXX XXXX stated in the letter enclosed in this Complaint that they NEVER received a dispute by TransUnion. TransUnion not only lied, but did not perform a reasonable investigation into this issue. TransUnion enabled me to be a victim of identity theft. XXXX XXXX has requested TransUnion to delete this hard inquiry since XX/XX/XXXX but TransUnion has yet to comply. TransUnion needs to immediately remove this hard inquiry from XXXX XXXX from my credit file immediately!

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 2019-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Sometime in the last 5 yrs I eliminated two personal credit cards and began using my business cards for everything. They had both my name and my bus. name on them. I never suspected that when using a business card there is no reporting to credit bureaus. So now 4+ yrs later because I have only used Bus. cards I have no credit history. I can prove that I pay my card off every month and have bank statements to show it is paid by me and not some guy in XXXX in a XXXX XXXX. I can't get anyone to look at my commercial credit and give me a personal card, today i get mail that says my last attempt to get a card was turned down because of no history and that there have been too many looks at my credit history. I created those looks by applying for cards in a can do attempt to get the problem fixed. This is beyond absurd and I need help. No one seems remotely interested in helping and I surely can't be the only one who has suffered this fate. I am XXXX, have paid off 3 or 4 houses over 40 yrs and have no debt I have never had a judgement about money, I should be able to get credit. XXXX XXXX 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