vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-20 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: CA

Complaint narrative:
XXXX has failed to use adequate resources other than the name only matching process. After multiple disputes, my personal identifiers have not been updated. I submitted proof of identity including a copy of my original birth certificate, social security card, CA State ID, current bank statement and utility bill. The date furnished is erroneous and does not belong to me. XXXX has multiple variations of social security numbers listed on my report. None of the variations are correct, which confirms my allegations of improper verification methods used to verify the accounts belong to me. Simply using the name only matching process has affected my credit worthiness and has stopped me from accessing the financial resources needed to support not only myself, but my 5 month old twin daughters. Being a XXXX XXXX XXXX fleeing my XXXX  at the start of the pandemic, obtaining housing has been extremely difficult due to the inaccuracies reported on my credit report. I have submitted copies of police reports, my FTC ID Theft report, requested security alerts and blocks to be placed on the fraudulent accounts, yet my requests have been ignored and the disputes have been verified through the data furnishers. Which XXXX explicitly lists as XXXX XXXX XXXX, I have requested a security freeze, opt-out and request for information deletion. XXXX sent a confirmation via USPS with a security freeze pin, yet XXXX states that XXXX verified my information. I interpret that as XXXX violated my rights under the FCRA and failed to keep my personal information confidential, causing my disputes to be verified when the reports furnished contain incorrect and out dated information that needs to be deleted and blocked from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Sales associate named XXXX XXXX XXXX XXXX, lied about the down payment required for the loan of my vehicle. I scheduled an appointment at XXXX XXXX XXXX and was pre-approved through Capital One Auto Finance and clearly informed XXXX that I did not want my credit to be ran because I had already decided who I was going to be financed by. With the required down payment verified by Capital One, XXXX gave misleading information stating my down payment was not {$630.00} as stated on my approval form from Capital One. He changed the down payment amount to {$4000.00} and never applied the amount to my loan. He stated it would be a deferred down payment and it was never reported. XXXX and the XXXX XXXX XXXX XXXX XXXX stated that the XXXX insurance was required and mandatory in order to complete my purchase of the vehicle. Desperate to purchase a car for reliable transportation to be able to successfully flee my XXXX, I made the purchase and signed everything in less than 30min. Upon reviewing my financial statements I noticed the deferred down payment was never reported and the optional add ons were not mandatory, they were optional. Also, the terms do not match what is reported on credit reports. When I requested verification with all documents containing my wet signature, I received a document that contained a signature that was not mine. I believe the signature was forged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have been contacting Transunion in regards to my credit score and information in my credit report that does not match with the other bureaus. I have accounts that are reporting on the other bureaus but not on Transunion.

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 2022-02-20 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: HYUNDAI CAPITAL AMERICA
State: NM

Complaint narrative:
Brought car back to kia dealer on XXXX and the car sat at dealer for over XXXX XXXX months waiting for inspection. ( due to Covid i was told ) called Kia Mtr Fin and kept calling to find out the final balance to pay which was {$900.00} and it was paid in full.Kia contacted me finally XX/XX/2020 XXXX  months after calling the company XXXX times and told me that being i was late its considered A Charge off /paid in full.i asked why it was consider a charge off and there reply was thats company policy.i wanted the charge off removed off my credit reports so when i sent in the forms to credit Bureau it went from charge off to /paid i would like this to say paid as agreed. sincerly 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
Consumer complaint received 2022-02-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In an effort to increase my FICA score, I paid on my Synchrony account ( s ) to bring the balances under or around the 30 % mark. The XXXX card in particular ( XXXX XXXX ) I had a {$3200.00} limit. I have not been late on my payment ( s ) due it's taken out automatically from my checking account on the due date. In the month of XX/XX/XXXX, I made a payment on the XXXX in the amount of {$960.00}. I then made another payment of {$600.00} on XX/XX/XXXX. These XXXX additional payments were made an addition to the monthly payment which had been taken out on XX/XX/XXXX. These payments brought my balance down to {$1400.00}. The second additional payment was made in order to have the account showing at or near 30 % usage. I checked my credit score on XXXX and without receiving notice from the card issuer, they lowered my credit limit from {$3200.00} ( XX/XX/XXXX ) to {$1400.00}. This caused my usage for this card to be at 97 % and dropped my credit score by XXXX points. I reached out to Synchrony and spoke with a representative who transferred me to a supervisor. I explained to her my concern and what I deemed as the company being unfair. I asked her why this had happened, and she couldn't give me a solid explanation. She went back and forth about they had the right to decrease or increase my credit line. When I asked what determined the change, she replied that they look at your credit score and other accounts on your credit report. When I challenged that, saying my credit score was in the XXXX range and all my accounts were and have been in excellent standing, so I don't understand what you are saying. She then went off topic to talk about the expiration of a promotion I had utilized. I became frustrated and figured out that the company was not going to assist me. I feel that it is unfair for them to receive {$1500.00} worth of payments and lower my credit line so my usage can be almost at 100 % and negatively effecting my credit score and report. My husband is an additional card holder, and this has also affected his credit score and report.

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 2022-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Ive had a Capital One Credit card with Capital One Bank since XXXX. Ive only had an increase in balance one time for XXXX and that was 4 years ago. Ive had more than 100 successful payments. I used it over 30 percent of the balance but it was mostly during the pandemic and always paid 80 percent of the entire balance off at once and didnt have a carry over balance. Ive had two big salary increases from my employer over the last three years and the last one was on XX/XX/XXXX. Each time Ive asked for an increase, it was silent as empty box. They never could tell me why, and I never receive any information as to why. I never have gotten a letter, email or text stating that I dont qualify. It has said only, its being reviewed and someone will get back to me shortly. A year or more I asked and, just on Sunday, XX/XX/XXXX I asked and still the same message. This is keeping my credit from rising. All of my other credit cards have over XXXX limits. And its oddly strange that Capital One will not budge. Im really starting to feel like Im being discriminated against. Everything this company is questionable. This is what prompted me to close out my checking and savings account with them. Is this against the law? It wasnt every month out of 4 years that my balance was over 30 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank charges a XXXX dollar late fee before the payment is due, My payment is due on the XXXX of every month, they charged me a late fee on the XXXX because they are not open on the weekend. It should not matter if the are open or not if my due date is the XXXX, then that's when its due. They do this to multiple customers!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: LA

Complaint narrative:
Last year I'm my checking my account with hsbc there was a mobile deposit into my checking account. They froze my account Becuase the check was in my soon to be wife 's name and she depositing into my account by accident and they froze the account the check was little over XXXX XXXX dollars and that been almost a yr ago... i have contacted hsbc multiple times and they treaty me like I'm some kind theft and have explained to them what happen but they don't listen I've sent everything they asked me to for me and her to prove our identity and they refuse to give my accont back the check has been cleared and cashed and they frozen my account .. they should never cashed it because I didn't sign it she signed it again she thought it was her account but the auto login on phones switchedbot and she didn't realize it. I live in XXXX and the bank is in XXXX tomorrow morning me and her are taken a trip to drive to XXXX to go decuss this with back but it like they want keep money that not there's there really stealing from us because they have no grounds to keep this momey..money... So I the account owner and her the owner of the check that was deposited are both going to bank for Tues morning and request her money out my account please help this is n ot right to be treatedbthisnwas please help thabk you for your time and help I look forward to hearing from you soon my ph number is XXXX XXXX XXXX and my email is XXXX my name is XXXX XXXX XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal got my funds amounting to {$71.00}. They say that I can withdraw it after 180 days, but my balance is now {$0.00}. They withdrew it ( Paypal ) already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I recently submitted a complaint about how my loans were handled by Great Lakes. I received their response, and feel that they didn't provide responses to all of my issues. Since I didn't feel they were clear, and neither did a family member, my family member called this past XXXX  XX/XX/XXXX to try resolve what outstanding issues I had. First, The manner in Great Lakes does reporting of the loans payments and interest being applied is quite confusing and borderline deceptive. Its difficult to see a true balance of the loans after a payment. With every other creditor I have, I can see exactly what amount I paid, how it was applied, and an ending balance. I don't see this with my loans with Great Lakes. It is quite confusing to track and follow a loan, when the creditor doesn't show a true balance after payments are applied. Secondly, my account summary indicates I have XXXX payments remaining. During the call on Friday XX/XX/XXXX, it was learned that I have XXXX payments remaining but ONLY if I pay {$540.00} for XXXX months and $ XXXX for the remaining months. There is no place on the account summary that displays that information. That is very deceptive and misleading on my account. Thirdly, there is no place on the website that alerts me to recertification and the process. If the recertification process is important it should be outlined and dates of recertification should be clearly visable to the consumer. My family member was told that I would get an email XXXX days before it is due. Why doesn't Great Lakes reveal a date, and why is when you call in, they say " XXXX days before its due ''? Why is this not listed as a " DATE ''. I can put a date reminder on my calendar, but its clear that a date is vital in the capitializled interest process. The previous response did NOT outline a date, and neither did the call rep until we insisted on a date. Why do we have to insist on a date, and why didn't the person responding to my previous complaint list a date? Again, a person can't help but feel deceived. Lastly, I show a payment was made on this account of {$500.00} on XX/XX/XXXX and I don't see it listed on the report that was sent to me with my previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Moore Law Group
State: NM

Complaint narrative:
Moore law group filed a suit to collect a debt and never gave me any opportunity to review the debt. Moreover, they falsely claimed to have served me and filed suit in the incorrect jurisdiction! I havent been given any rights to accept or deny anything. I can not give an amount as I have no clue if the debt is accurate. I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank took over 2 years to finalize a dispute made in XXXX. Not until I disputed directly with the credit bureaus, was when I received a letter on XX/XX/XXXX stating the resolution of my dispute from XXXX resulted in a balance update and refund due. Neglecting to update the account with XXXX, XXXX and XXXX I am left with negative payment history and my credit worthiness to creditors. The Account number listed on my credit reports do not match the account number listed on statements from Synchrony Bank.

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 2022-02-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
someone is misusing my personal information please kindly help me to get out of this issue

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 2022-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bonneville Billing and Collections
State: OR

Complaint narrative:
As of XXXX a collection company by the name of Bonneville Collections is sending me fraudulent mail with wrong spelling of name and address. Furthermore I called this collection company and they stated they have no collection account given under social security number. Bonneville Collections have yet to place this so called debt on any of the major XXXX credit bureaus since purchasing this so called debt which furthermore let 's me know this is a fishing fraudulent account. The amount of the debt which this company says I owe the amount of {$76.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
TSI TRANSWORLD SYSTEMS INC. 
has submitted the debt to the credit bureau prior to the date stated on the paper. It was submitted to the credit bureaus today and the paper from TSI says it would submit to credit bureaus XX/XX/2022 if I had not submitted a dispute. I had spoke to a lady from TSI this past Thursday because this debt was never submitted to my health insurance. I was told everything would be disputed from their end and the hospital would have to resubmit. Yet the hospital told me they would pay it since it was hospital representative failed to submit it to health insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Midland Credit Management charged my bank account XXXX times during a dispute. Also, they charged XXXX different bank accounts for different amounts during the same month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX M & T bank called me to ask if I had opened an account with them. They noticed multiple accounts were being opened and it looked odd to them. The next day I had received an XXXX card from them because a fraud account was open.

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 2022-02-20 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: CL Holdings LLC
State: OK

Complaint narrative:
Jefferson Capital System. I have disputed with XXXX multiple times now on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They investigated and found my information to be accurate and have deleted the account but it somehow ends up back on my credit. This company is fraudulently reopening this account and reporting it as opened on XX/XX/XXXX with the current account status as open. This account was CLOSED in late XXXX. I demand this be resolved immediately or I will be pursuing legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CitiCards CBNA is inaccurately reporting XXXX late payments on an account that was discharged in XXXX XXXX - Bankruptcy. This creditor is vindictively refusing to correct the error in reporting to the credit bureaus causing me severe financial harm and increased interest rates on accounts with other creditors. 

I have submitted disputes through the credit bureaus and attempted several times to contact the creditor directly, where they hang up on me or direct me to pre-recorded information that is not relevant to my situation. The single time I was able to speak to a customer service representative for CitiCards CBNA, they told me I need to pay the discharged debt in order for them to take any action on my credit report errors. Attempting to collect a discharged debt in Bankruptcy is a violation of Federal Bankruptcy Law The debt was discharged in XXXX and the vindictive nature of CitiCards CBNA actions is to circumvent Bankruptcy protection laws and attempt to collect the debt that was legally discharged.

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 2022-02-20 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: FIRST HORIZON BANK
State: NC

Complaint narrative:
On XX/XX/2022 and XX/XX/2022 I sent a formal request to First Horizon Bank for validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local NC laws regarding evidence that I have a contractual obligation to pay them the {$19000.00} auto loan that they are reporting to all XXXX credit bureaus under my social security number. 

Both times I sent the request, I received a letter back stating that they can not verify my identity although I have provided them with my full name, address, and social security number. Instead of First Horizon Bank doing the proper due diligence to investigate their violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, they are stalling and are not conducting a fair and proper investigation. Under the FCRA & FDPA if they can not validate the debt that they are reporting, they must request that all XXXX credit bureaus delete the entry. By failing to do so, they are in violation of the FCRA & the FDPA. 

I have attached a copy of the listing on my credit report, and can provide a copy of the letters that I have sent them upon request.

Company response to consumer: Closed with explanation