vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: COMMERCE BANK
State: LA

Complaint narrative:
I have been trying to cancel my Commerce Bank XXXX  card for XXXX months, since XX/XX/2023. I do not use the card and have recently been scammed twice and am very concerned about identity theft. I have made it clear to XXXX different Commerce Bank customer service representatives over the phone that I URGENTLY wish to cancel my account, and yet my account is still open. Every time I call, I wait on hold for more than a half hour before I can speak to anyone, then the person says they can't help and transfer me to someone else and I wait for XXXX minutes again. I spent an XXXXXXXX XXXX XXXX XXXX on the phone approximately XX/XX/XXXX and finally someone at least said they'd send me the paperwork even though I was away from home and working in another state and told them I wanted my account closed immediately. I am not home and the paperwork never arrived. My account is still open. I just tried calling again and was on hold for another XXXX minutes but gave up. I've wasted at least XXXX hours trying to cancel this account and have been unsuccessful despite telling people on the rare occasion I actually get through that I urgently need to cancel my account. I see no way to do so online. Very irresponsible and stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Received card XXXX called no help. Called XXXX when I received a letter saying I would get the card in 7 days. Called XXXX who gave me a different number to call. Representative said they would look into it but would not close the accounts

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 2023-07-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have asked Experian, XXXX, and XXXX to reinvestigate the following account. XXXX XXXX XXXX - Account # XXXX. However, they stated that everything was completed and accurate. How is that possible if the status of the account is reporting Account XXXX XXXX XXXX, with {$1700.00} written off and {$1800.00} past due is incorrect? In addition, reporting the account late monthly on a XXXX XXXX Account. According to XXXX5 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly.

15 USC 1681 Section 602 A : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States a Consumer Reporting Agency can not furnish a without written instructions.

15 USC 1681c. ( a ) ( 5 ) Section : States no Consumer Reporting Agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( a ) ( 1 ) : States a person shall not furnish any information relating to consumer to any Consumer Reporting Agency if the person knows and/or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: MO

Complaint narrative:
Early XXXX I received solicitation from Upstart Network ( aka Upstart Holdings Inc. ) promoting personal loans with flexible payments, fair underwriting, and low interest rates. In the solicitations I was " pre-approved '' and equipped with an approval code. Within ( XXXX ) year of receiving the loan, I experienced financial hardship. Prior to, I made all payments as outlined in the loan agreement. I reached out to Upstart on multiple occasions seeking assistance, and a reasonable adjustment that would allow me to continue to me my debt obligation with Upstart. In oppose to offering income-based payments and/or a reasonable hardship repayment option- Upstart has resorted to predatory practices. These practices consist of promoting continued loan payment deferent with continual interest accrual, increased payment amounts, extended loan terms, etc. All the readily available options facilitate a cycle of debt, astronomical interest with fees, and payments are not applied to any principal amount. Upstart actions are aligning to that of predatory lenders who opt to force deferent/forbearance instead of reasonable repayment plan. Moreover, upon further research, Upstart underwriting practices violate The Equal Credit Opportunity Act ( ECOA ), by utilizing an applicant 's education level as an underwriting key factor. Unfortunately, these details were omitted from the several solicitations that were mailed to me and lured me in with the promise of a " pre-approved '' low interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX, someone attempted to open a XXXXXXXX XXXX  card using my name, address, phone number, email and SSN. I did not attempt to open this card and I was contacted by phone by the XXXX XXXX department so luckily the application was denied. On the same date, someone successfully opened a XXXX XXXX XXXX and a XXXX XXXX XXXX. I successfully canceled and reported the XXXX and XXXX card, but was not aware of the XXXX card until I received the card in the mail on XX/XX/XXXX. I have contacted all three credit bureaus but when attempting to obtain my credit report, I received a letter stating that they are not able to provide me a copy because I need to confirm my address. I sent the requested documentation on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 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 — Problem getting your free annual credit report
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/XXXX, someone attempted to open a XXXX XXXX card using my name, address, phone number, email and SSN. I did not attempt to open this card and I was contacted by phone by the XXXX XXXX department so luckily the application was denied. On the same date, someone successfully opened a XXXX XXXX XXXX and a Venmo XXXX XXXX. I successfully canceled and reported the XXXX and XXXX card, but was not aware of the Venmo card until I received the card in the mail on XX/XX/XXXX. I have contacted all three credit bureaus but when attempting to obtain my credit report, I received a letter stating that they are not able to provide me a copy because I need to confirm my address. I sent the requested documentation on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX open date XX/XX/XXXX {$6800.00} I have requested verification of this account, there are several different account numbers and amount open dates on this account across all of my credit reports. 

XXXX XXXX open date XX/XX/XXXX {$1800.00} I have requested verification of this account, there are several different account numbers and amount open dates on this account across all of my credit reports. 

XXXX XXXX XXXX XX/XX/XXXX {$1300.00} I have requested verification of this account, there are several different account numbers and amount open dates on this account across all of my credit reports.

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 2023-07-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Firstly, I would like to bring to your attention Capital One 's violation of the FCRA, specifically 15 USC 1681s-2. This section outlines the duties of furnishers of information to consumer reporting agencies, requiring them to provide accurate and complete information. 
Prohibition of reporting delinquent debt without notice : Before reporting a delinquent debt to a consumer reporting agency, furnishers must notify the consumer in writing about the impending reporting of the debt .This notification should be given at least 30 days before the information is reported. THIS WAS NOT SENT TO ME. 
Additionally, Capital One 's non-compliance with IRS regulations is concerning. According to IRS guidelines, when a lender cancels or forgives a debt of {$600.00} or more, they are required to issue a Form 1099-C to the debtor, notifying them of the cancelled debt amount that may be taxable income. Despite the debt exceeding the {$600.00} threshold, Capital One has failed to fulfill their legal obligation to provide me with the necessary Form 1099-C, thereby violating the IRS regulations.NO 1099C SENT TO ME As defined by the irs even if you have not received a 1099c you must report cancelled debt as gross income.

The irs clearly defines a charge off as gross or ordinary INCOME. 
INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT. 
By definition of the irs it clearly states a canceled debt or charge off is income, the reporting of this account as debt is INACCURATE. 
You are hereby put on notice you are furnishing inaccurate information. 
I demand the following actions be taken : Direct Capitol One to contact the credit reporting agencies and request the immediate removal of the charge off from my credit report, as it reporting inaccurately This inaccurate reporting not only harms my creditworthiness but also violates the FCRA 's requirement for accurate and fair credit reporting. 
This is a final opportunity to cure and delete this erroneous inaccurate account from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The debt you bought from XXXX XXXX is part of XXXXXXXX XXXX. Case No. 22-1936, Civil Action No. 22-cv-10501. XXXX XXXX had no right to sell the debt to you and you have no right to attempt collection. Return the debt to XXXX XXXX immediately and stop contacting me. I will seek compensation for the harassment I've endured as part of the settlement process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Reopening case XXXX. Ally lied and the problem was only fixed for 2 days before the system crashed.

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 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Unauthorized Transactions without me knowing or my knowledge of who did or may have preformed these transactions On Dates Below XX/XX/2023 Withdrawls - XXXX $ XXXX {$100.00} $ XXXX XXXX, XXXX XX/XX/2023 Withdrawls - XXXX $ XXXX XXXX XX/XX/2023 - XXXX $ XXXX XXXX $ XXXX Ga XXXX {$200.00} XXXXGa XXXX $ ATM Frees Actions taken by the company were simply outrageous stating no error was found when I have never been to Georgia. My card was lost and obviously compromised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have disputed a tower loan issue with Equifax over and over. On Equifax website and XXXX XXXX website, it reads secure loan from XXXX XXXX. I got a unsecured loan from them! It has been removed from my XXXX credit and I'm waiting on XXXX. Clearly at the time I had nothing to secure the loan with this I know. 
I'm just trying to clear up the situation without taking legal steps. Also before I even dispute my report my credit score was higher and when my dispute got declined they took XXXX points from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: AL

Complaint narrative:
When we got a title loan on our vehicles, we were under the impression that it was the same process as it was when we resided in Georgia. Titlemax employee told us that is was a slight difference but did not tell us the difference. She scanned through the screens with a brief description of each page as she went through. Nothing was not discussed about us being charged for a daily interest. Our SUV was in the shop since XXXX and we just got it out on XX/XX/23. Due to that vehicle being in the shop, my husband was not able to work due to not being able to put work equipment into a car. Since then, we have been struggling financially. Our powers was cut off, our phones were suspended to where we couldnt make calls, and we had less than XXXX tank of gas to get me to my appointments. I have attached documents showing the dates and amount paid for repairs to our SUV. Please help us! I am XXXX and fighting for my XXXX and my husband is trying to get more work now our SUV is out of the shop. We have filed a previous complaint in which titlemax ignored our request for help on this matter. Titlemax is a crooked company and out to rob people when they are most vulnerable. PLEASE HELP US!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello My name is XXXX XXXX XXXX I reside at XXXX XXXX XXXX XXXX Ny XXXX. I am a mother of XXXX and I am currently trying to purchase a home for me and my children. After looking at my report I see there are items being displayed on my report that Ive tried to fix. I see that there are damages on my report. According to 15 U.S. c 1681 law there should not be any damages on my report it is a defamation of my character.Please kindly remove these items from my report. 
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 non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX, I was contacted by phone by Synchrony Bank regarding my XXXX XXXX XXXX XXXX. I told the rep that I get paid near the end of the month and to schedule my payment on XX/XX/XXXX. He told me he would note that in my account. 

On XX/XX/XXXX, I was contacted again by Synchrony Bank. I told the new rep that I had spoken to his colleague and there should be a note in the account that the payment would process on XX/XX/XXXX. He told me he saw the note but at the time of the previous call that was too far into the future to schedule the payment. So I proceeded to give him my payment information so that this new rep could schedule my payment for XX/XX/XXXX. 

My other cards ( XXXX, XXXX XXXX and XXXX XXXX ) all pulled on the scheduled date of XX/XX/XXXX. 

I received a call from Synchrony on XX/XX/XXXX stating that I was past due. I told her that her colleague said they would be pulling my payment on XX/XX/XXXX and asked what happened. 

She put me on hold for several minutes and said there was a system error and that something with my payment information must have changed. All other creditors had no problem processing my payments on that day. 

I ask how long after making my payment will I be able to use my card. She said 24 to 48 hours to process the payment and remove the hold. 

She takes my payment information, gives me a confirmation number, then informs me that my card has been closed. She said she would get me over to customer service to see if they could get my card opened again. Her name XXXX. 

She transferred me to XXXX in Customer Service who said there was nothing they could do to help me. 

I am incredibly frustrated that while I was in communication with the bank it was never communicated with me that the account was closed or in danger of closing. I made several good faith efforts to pay my account and I'm being penalized for their system error. 

Why was I only informed I could no longer use the account AFTER I made the payment? 
Why did no other rep inform me that my account was closed? 

It feels like they get to shrug their shoulders and leave their customers twisting in the wind when they have a system error or " glitch '' that they say there is no further information on.

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 2023-07-08 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: NC

Complaint narrative:
I have been attempting to access my Equifax credit profile and been unable to, Equifax sent me a letter after I file a complaint stating that the unable to locate my credit file and stated I have not used credit in the last XXXX years that is false, stated I have not been assigned social security number, this is false as well or i have not applied for credit recently which is also false as I have been attempting to get a business loan and this is causing me issues and is how I discovered my Equifax profile disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
Transaction receipt from Remitly : Recipient : XXXX XXXX XXXX Transfer No. : XXXX XXXX XXXX XXXX DELIVERED XXXX {$100000.00} We have confirmed funds were deposited to your recipient 's XXXX XXXX account. Your transaction is complete and we hope to see you again. 

ARRIVAL TIME XX/XX/2023 XXXX XXXX EDT ( XX/XX/2023 XXXX XXXX AST ) TRACK YOUR TRANSFER Your debit card Remitly Recipient 's bank Recipient 's account Success! Your deposit has been confirmed. 
XX/XX/XXXX, XXXX XXXX EDT As I post this complaint ( XX/XX/2023 @ XXXX ), I have yet to receive the funds in my account, although the transaction status shows " delivered '' on the Remitly website : XXXX XXXX XXXX XXXX USD XXXX DOP Reference number XXXX DELIVERED We have confirmed funds were deposited to your recipients XXXX XXXX account. Your transaction is complete and we hope to see you again. 
Your debit card Remitly Recipient 's bank Recipient 's account Success! Your deposit has been confirmed. 
XX/XX/XXXX, XXXX XXXX EDT I contacted the customer service chat and the customer service rep told me it takes their " specialized unit '' about 3 business days to contact me for a response. 

THE PROBLEM : I was offered a lower USD/DOP rate of exchange for the " Express Service '' yet I will end up receiving the money in 7 days, which on the Remitly website the offer for a 7 day transaction, the Rate of exchange is higher than that of the " Express Service ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: FL

Complaint narrative:
There is an inquiry on my Transunion Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Transunion credit report immediately. Please remove the following : XXXX XXXX XXXX XX/XX/2023. Thank you. 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 non-monetary relief