vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
XXXX : XXXX was looking for a small loan in the amount of {$2500.00} to help my children and I until I receive my taxes I entered my information such as name, dob , address, and loan amount in a few lending websites which of course directed me to third party sites. A few numbers started calling me about being approved and texting my number. One particular company who disclosed them selves as XXXX XXXX located in XXXX, IL continuously called and texted my phone XX/XX/XXXX from XXXX stated the loan amount would be $ 2000 monthly payments would be {$100.00} initially did not talk to them anymore until XXXX XXXX kept calling me on XX/XX/XXXX. I text the number back because I had multiple missed calls from them that number was from XXXX XXXX XXXX stating he was reaching me about my requested loan amount I told him I was at work and would call him back. After picking up my son from daycare I proceeded to call XXXX XXXX we discussed the loan options {$2000.00} or {$6000.00} he stated both repayment plans would be {$100.00} taking out the XXXX of each month had me verify my info and gave me a loan number XXXX, his name and contact info he said his account manager would contact me and please dont miss the phone call. The account manager called from XXXX as XXXX he asked me to verify my info and read out my loan number explained to me that my payments would be {$100.00} a month coming out on the $ XXXX of each month he then sent my a website to put in my bank account information from there he kept saying I have to XXXX the tic myself to make sure it was not fraud he would deposit a check in my account and I would return the funds so they could know it was my and Im not a scammer, he had me do this several times from cash app, but on and gift card as I grew more suspicious I asked him he stated they were private company and if anything happen they would pay all fraud charges to my bank. It was too late on my end I contacted my bank USAA telling them I have been possibly a victim bank fraud, but the decision was already made to close my account I have been a member of USSA bank account for many years and have never had anything like this happen to me I asked what could actually protect me there wasnt much solution. This company in fact called me back this past Tuesday XX/XX/XXXX for what reason I do not know the damage has been I have kids to feed and this has left my with NOTHING, behind on bills and etc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Debt is not only charged off but it is also fully satisfied as evidenced by the attachment. Santander is to cease & desist repossession efforts and send the lien release NOW. It is not to be sold to another " debt collection '' company. You are in violation of Federal Debt Collection Act Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: FL

Complaint narrative:
Experian allow a fraudulent accountS XXXX XXXX to be reinserted that was previously deleted. They are required to provide a notice of reinsertion to the consumer within five business days of such reinsertion which I was never notified. THIS IS A BLATANT VIOLATION OF MY RIGHTS PER THE FCRA. THEY ARE ALSO REPORTING THIS FRAUDULENT account as a CHARGE OFF but with a past due balance which is another VIOLATION OF MY RIGHTS PER THE FCRA. THEY NEED TO DELETE THIS FRAUDULENT ACCOUNT OFF MY CREDIT 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 2022-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XXXX rewards credit card ( a travel agency ) did not allow me to dispute an unauthorized charge from XXXX car rental back in XX/XX/XXXX. They work hand in hand with car rentals, hotels and airfare. I rejected the insurance on the rental because the man at the counter said if I have insurance on my vehicle at home, I did not need it. ( XXXX XXXX  ). 
XXXX did not allow me to dispute the charge! ( I paid XXXX for my whole travel to XXXX, air, hotel and car rental almost XXXX from XXXX  for 5 days ) Barclays which manages XXXX is backing them up and not allowing me to dispute this charge. I tried contacting XXXX but you can not get a live person and they never responded to my emails. 
My credit score dropped over XXXX points and I am not a fault. Why should I pay something that I did not ask for? 
If you XXXX XXXX on the internet, everyone who used XXXX is having the same problems as I. 'DO Not do business with this company they are horrible. I have been trying to get an issues resolved since XX/XX/XXXX, its now XX/XX/XXXX. You can never get anyone on the phone, they hang up on you or disconnect you. They tell you a supervisor will return your call within 12 -48 hours which never happens and there is never a supervisor available when you call. I had an issue with a merchant, the credit card company doesn't stand behind their protection offer at all. its all lies. take your business elsewhere please ..... '

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 2022-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TriVerity, Inc.
State: NC

Complaint narrative:
The company TriVerity , Inc. is attempting to collect money from me in the amount of {$1100.00}. I don't know why they are saying I owe this money and how they came to this calculation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I applied for Travel Health Certificate on XX/XX/XXXX My trip cancelled so I do not need this certificate It is not issued yet for my XX/XX/XXXX travel Please refund {$65.00} and cancel certificate

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-19 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: Early Warning Services, LLC
State: NC

Complaint narrative:
The company Early Warning Services is reporting inaccurate information to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Credit Management, Inc
State: MO

Complaint narrative:
Hello, I paid my medical bill with the hospital and it is on my credit report. I called the agency and asked them to contact the hospital because the debt was precociously paid. They refused. 
I contacted the credit agency. XXXX to explain the bill was paid and I have the receipt. I attempted to upload the receipt to the online portal would Not allow me to Attach the receipt of proof. It appeared to be an issue with the system. They then opened a new dispute and it remains on my credit report although I explained to both XXXX and Professional Credit Management that the debt was paid. I also offered to Email it to Professional Credit Management and was told they can not accept emails and XXXX was informed their system would not allow me to upload proof. 
It has been removed from the other two credit reports but not XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/XXXX, I received a notification from credit monitoring services stating that SYNCB/XXXX had done a hard credit check against my XXXX credit report. I had not requested any credit from Synchrony Bank or XXXX XXXX, so this clearly constituted fraudulent activity. 

On the morning of XX/XX/XXXX, I contacted Synchrony Bank by calling ( XXXX ) XXXX to report that I had not requested that any credit account be opened in my name. The customer agent told me that there was no record on file of any application for credit under my social security number. 

Also on the morning of XX/XX/XXXX, I contacted XXXX at ( XXXX ) XXXX to dispute the credit check and report fraudulent activity. The XXXX representative made a note on my file, but told me that Synchrony Bank would have to request that the credit checks be removed from my credit reports. 

On XX/XX/XXXX, I received a letter from Synchrony Bank saying that there was indeed an attempt to open a credit card in my name, but that the attempt was rejected due to an inability to verify my identity. This contradicts the information provided to me by the customer representative on XX/XX/XXXX. 

On XX/XX/XXXX, I sent a letter to Synchrony Bank ( see attachment ) requesting that the hard credit check be removed from my credit report. I have not heard any response. As of XX/XX/XXXX, the hard pull is still showing on my credit report, adversely affecting my score.

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 2022-02-19 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Nelnet, Inc.
State: SC

Complaint narrative:
XXXX  XXXX promised us when we would be placed on a job, that was not the case. When I finished getting my certificate I did not have any opportunities presented from the college. There was no job placement plans either and there was a career counselor in place but they did nothing to help. This was a waste of time and a lot of money. They also told us that our credits were transferable but that was not true either. I started XXXX XXXX XXXX  in 2017 and none of the credits were transferable. So now I has to retake courses in order to complete this degree. I would have been finished and on to a better job but now I am still in school trying to complete my degree because the lack of those credits. XXXX  XXXX mislead us and its unfortunate that my time and money was wasted, now I have almost 100k in loans because of this. This is ruining my life because its dooming my credit, so homeownership is out the question for me my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: Ascendium Education Group
State: FL

Complaint narrative:
When I attended XXXX XXXX  from XXXX XXXX XX/XX/2007 I had taken out several loans. However, in 2007 I had taken out loans that XXXX kept and never returned after I had left and graduated in XX/XX/2007 over {$10000.00} in private and government loan money. It appeared in my student loan history on XXXX XXXX XXXX XXXX XXXX at the time but now its on XXXX. After graduating I had caught the fraudulent act in XX/XX/2007. I called XXXX XXXX  XXXX XXXX XXXX at the time and explain the situation and asked XXXX XXXX  to return the loan money since I was no longer a student there but rather a alumni. At the time, the Financial Aid Director at XXXX XXXX  promised he would return the loan money that XXXX XXXX  illegally kept after I had graduated but never did. Can someone please help me investigate this situation?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: MD

Complaint narrative:
On XX/XX/XXXX, I received a notification from credit monitoring services stating that XXXX had done a hard credit check against my TransUnion credit report. I had not requested any credit from XXXXXXXX XXXX or XXXX XXXX, so this clearly constituted fraudulent activity. 

On the morning of XX/XX/XXXX, I contacted XXXX XXXX  by calling ( XXXX ) XXXX to report that I had not requested that any credit account be opened in my name. The customer agent told me that there was no record on file of any application for credit under my social security number. 

Also on the morning of XX/XX/XXXX, I contacted TransUnion at ( XXXX ) XXXX to dispute the credit check and report fraudulent activity. The TransUnion representative made a note on my file, but told me that XXXXXXXX XXXX would have to request that the credit checks be removed from my credit reports. 

On XX/XX/XXXX, I received a letter from XXXX XXXX saying that there was indeed an attempt to open a credit card in my name, but that the attempt was rejected due to an inability to verify my identity. This contradicts the information provided to me by the customer representative on XX/XX/XXXX. 

On XX/XX/XXXX, I sent a letter to XXXX XXXX ( see attachment ) requesting that the hard credit check be removed from my credit report. I have not heard any response. As of XX/XX/XXXX, the hard pull is still showing on my credit report, adversely affecting my score.

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 2022-02-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-02-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I elected to extend a lease for a Honda vehicle. Honda Financial would not accept payment and cancelled the autopay feature on the website without notice. Then, Honda declared the next payment delinquent and filed a report with the credit bureaus. I had been a Honda customer for five years on two vehicles and never missed a payment. Honda failed to return any messages or respond to the complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I transferred money from XXXX Bank to creditkarma.com {$2000.00} it never made it to the account and was marked NSF this was not true at the time of the transfer nor is it true now. According to XXXX XXXX a bank to bank transfer is like a Cashiers Check coming back NSF it can not happen. 

Furthermore, my atm card is not working and there is no valid reason for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
To, Bureau of Consumer Financial Protection, Hi Bureau, Wanted to bring to you attention, a credit denied after applying for XXXX Credit card with Comenity Bank .They cited reason as Based on previous Negative experience with Comenity Bank are unable to process.. Previously around 3 years ago also Comenity bank closed by XXXX Credit card suddenly citing number of enquiries are high, even though my credit was initially approved and there were no other issues. My credit score is above XXXX on both the times. Also, credit history has been more than XXXX consistently over the years. Attached Documentation for both the cases. Can you please suggest your recommendation? 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
This involves a Capital One XXXX credit-card account. 

Because of the combination of a payment and a large refund done within days of each other in XX/XX/2022, there is a large credit on the credit-card account. After an initial attempt with the issuer 's front line service to see if this credit could be used in a credit-card purchase and being put on hold and subsequently disconnected, I attempted to E-mail Capital One executives about this repeatedly, but have not received any response : XXXX XXXX XXXX XXXX In this E-mail to executives, I mentioned how I was away from my home, and because of the high rate of mail crime in my town, I do not wish for a check to be sent to my mailbox, and that I would hold Capital One civilly liable for any theft of such a mailed check. 

Following this attempt with contact with the executives, I tried again to speak with front-line representatives, and was able to reach a person who claimed to be management at Capital One ( XXXX XXXX ), and said that the only way Capital One is required to disburse the funds is via paper check, even though I have a savings account at Capital One, and thus would make this very easy for Capital One to do, which I believe is contrary to US law XXXX in that the option for electronic transfer is also required. 

I even offered to make a large purchase so as to use the negative balance, but was told by Capital One that such a purchase would not be honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
XXXX and Equifax has always had my name correct at one point XXXX did also until 2 years ago they start reporting my name incorrectly and no amount of proof of my identity is satisfactory to XXXX I just want my rights to stop being ran across I would like to get and keep a good job but with XXXX reporting my name incorrect makes companies think I am a fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC

Complaint narrative:
Received letter for a debt that is not mine and I do not know anything about. Was told could dispute electronically at resources.wakeassoc.com and signed up to do that only to see that there is no way to dispute electronically as they stated in their letter. They lied. 
The burden of proof is on them, they should show detail about what is owed as I am unaware of any debt other than the bill I pay monthly for a debt to the medical facility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
XXXX XXXX alleged that I was responsible for carpet repairs after moving out of an apartment in 2017. Rather than make a claim using an appropriate forum, they incorrectly asserted that my obligation was a liquidated debt. Hunter Warfield continues to incorrectly characterize the claim as a debt. 

In any event, the claim is time barred by the statute of limitations and no debt exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I just wan na close the account and mail out my remaining funds and there not helping me

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