vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The card was lost. some of the charges are inaccurate, they closed the account several years ago and charged it off. however they still continue to send me emails stating XXXX XXXX recently sent me a communication about different settlement options that are available to help you resolve the balance on your account referenced above for less than what is owed. 

These offers are time sensitive so please click the tab below to review and select the settlement option thats right for you by XX/XX/2022. the account has been closed and charge off for several years. but they continue to increase and update the ballanc. the same on the account is spelled wrong. the charges on the account happen in XXXX. I to send me a original contract, the payoff disclosure and the Balance history, payment history to verify the signature that its my account are they need to remove it from my file. again my name is XXXX XXXX XXXX not XXXX XXXX thats incorrect information

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 2022-10-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The card was lost. some of the charges are inaccurate, they closed the account several years ago and charged it off. however they still continue to send me emails stating XXXX XXXX recently sent me a communication about different settlement options that are available to help you resolve the balance on your account referenced above for less than what is owed. 

These offers are time sensitive so please click the tab below to review and select the settlement option thats right for you by XX/XX/2022. the account has been closed and charge off for several years. but they continue to increase and update the ballanc. the same on the account is spelled wrong. the charges on the account happen in XXXX. I to send me a original contract, the payoff disclosure and the Balance history, payment history to verify the signature that its my account are they need to remove it from my file. again my name is XXXX XXXX XXXX not XXXX XXXX thats incorrect information

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 2022-10-19 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
WELLS FARGO XXXX # XXXX In Accordance with Fair Credit reporting act Convergent account : XXXX, has violated my rights XXXX U.S.C XXXX section XXXX A states I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions To add, the XXXX XXXX Wells Fargo ) has no record of these accounts in their system when I called them to verify the information. 

XP/TU/EF Late XXXX : XXXX ( See status ), XXXX, XXXX, XXXX, XXXX CONSUMER DISPUTES AFTER RESOLUTION ; CHARGED OFF ACCOUNT ; ACCOUNT CLOSED BY XXXX XXXX ; SUBSCRIBER REPORTS DISPUTE RESOLVED-CONSUMER DISAGREES Trended XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Scheduled ( $ ) XXXX - - - - - - - - - - - Actual ( $ ) - - - - - - - - - - --

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 2022-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Minimum payment due XX/XX/2022. I paid full balance XX/XX/2022 by cut-off time. Interest was charged XX/XX/2022. It is my understanding and appears to say on the statement that if the full balance is paid no later then the due date, no additional interest will be charged. When I phoned Capital One today regarding this matter, they stated it was legitimate. None of the other charge cards I've paid in full have done this, including another Capital One ( Walmart ) card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
After being a loyal customer and credit card holder for over 30 years at XXXX, they reported me as having a late payment when I was affected by XXXX XXXX on XX/XX/28, while staying on XXXX XXXX, as my home in XXXX has been under construction. I was forced to evacuate, had no service, etc. I made the payment as soon as possible, the account is current, but it caused my credit score to drop by XXXX pts. This is egregiously extreme and unfair. I contacted them and disputed the reporting through XXXX, but they're refusing to do anything as my home address was not considered to be an area that had a direct hit. However, I was not at my home at the time, I was in the middle of a hurricane on XXXX having to be evacuated. I feel this is not fair and was hoping for some type of resolution to this issue. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I went to deposit funds into an ATM. The ATM did not process the deposit or return the funds. Only told me to contact the FI. I immediately went into the branch to be told how do we know you put money in there. Needless to say. She said she had to dispute it. And I would have my funds that day. I did not. ( This was on a Friday ) Monday, I contacted the branch again to be told they are working on it and theyd balance the machine regardless and Id have my money that day. I did not. I contacted the branch and she states she needed to balance the machine and Id have it that day. I didnt trust that, so I also contacted customer service who said that the right dispute wasnt filed. Theyd have to do it again. Now its Wednesday. I have no money. Past due bills. An overdrawn account and no way to buy food. And no resolution. This is purely unacceptable. I am missing over XXXX dollars. Its not a lot to some, but to me its survival.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: AZ

Complaint narrative:
This is not my account. Creditor is permanently closed, and I have no knowledge of account. 

The collection agency is non-responsive. 

Please fully investigate and provide findings to me so that I may sue collection agency under the FDCPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
They call everyday, sometimes twice. I dont have the money. It needs to stop.

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 2022-10-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Auto Trakk, LLC
State: NC

Complaint narrative:
I leased a car from AutoTrakk XXXX and the car was totaled XXXX. I had around XXXX left to pay on the car with an option to buy at the end of my lease for about XXXX. My car was totaled on XX/XX/XXXX. My insurance company called me and advised that my car value was XXXX in which my insurance company wrote a check for. My insurance company gave me information on how leasing companies work with total loss and advised that they would send the check to the leasing company and the leasing company in turd would send me any remaining monies. Before my insurance company sent the check I called Autotrakk to verify exactly how much I owed and the amount I'll be getting back. I advised the person ( XXXX ) I spoke to at Auto Trakks that if I'm not getting any money back I would have my insurance company hold the check and get me lawyer to make sure everything is legit and possibly come to a certain settlement. The person I spoke to assured me that I would indeed be getting close to XXXX back, this was after I advised of getting a lawyer. The person stated that they will have the check sent over night. The person actually went though all the lines and details of my contract and stated that he was very knowledgeable as he's been with the company for some time. Once I was sure that I would get the leftover monies back I then called my insurance company and advised ok to release check. I called AutoTrakks on several occasions after waiting the 7 days for the check to clear. Once the check cleared I was told that I wouldn't get anything because my car did not belong to me, I explained to the person I was speaking to the recorded conversation between XXXX and XXXX I asked to speak with upper management and I was belittled and handled rudely. I was told that the reason I used their company was due to my bad credit and why should I benefit from a car that belong to them. I did further research and I see that this company prey on the poor and minorities. I didn't get my right to speak with a lawyer, due to I was mislead after the person knew I wouldn't allow my insurance company to release the check if I wasn't going to get anything back. The company is claiming it was a mistake but if the call is listened to by someone other than the company it would be understood how I was mislead. The loans are predatory and the treatment of the customers by the employees there are hurtful. Also, I was told that I should of already paid the car off but due to Covid and the pandemic I was out of work and when I came back to work our hours were reduced very bad.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: TX

Complaint narrative:
I am a 100 % XXXX veteran. My total college debt was dismissed in early XXXX as a result of my XXXX. The debt in question, was on my reports 2 years ago, because XXXX XXXX sold the debt to another collection agency who attempted to collect on the debt, but were unsuccessful because it was determined the debt was 7 plus yeas old. As a result, it was removed by all three credit bureaus. 
The debt is a Stafford loan debt. Stafford Federal Student Loans stopped offering student loans since XXXX. XXXX XXXX as well as Reliant Capital Solutions have both changed the dates on the debts and were able to put it on my credit report. I graduated from XXXX XXXX in XXXX ( I can forward a copy of my degree ). I also have a copy of the original Stafford loans ' promissory note, dated XXXX. I had graduated by then. Again, thr dates were altered to enable them to sell it to a collection agency. 
I can provide supporting documents upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 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: OK

Complaint narrative:
They are inaccurately reporting late payments on my XXXX XXXX XXXX account for the months of XXXX and XXXX in the year of 2018. I have asked the bureaus the provide me with any evidence suggesting otherwise and they have been unable to do so. At this point they are violating my constitutional credit right provided by the FCRA with inaccurate information and needs to be removed immediately. My next steps are to seek compensation and file a litigation lawsuit for incorrect information. 

XXXX XXXX XXXX XXXX XXXX is not mine and is an error of identity theft. This account needs to be removed immediately from my credit. 

There are also several unauthorized inquiries on my report which I have listed below and also need to be removed immediately : 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 non-monetary relief
Consumer complaint received 2022-10-19 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: EQUIFAX, INC.
State: OK

Complaint narrative:
They are inaccurately reporting late payments on my XXXX XXXX XXXX account for the months of XXXX and XXXX in the year of 2018. I have asked the bureaus the provide me with any evidence suggesting otherwise and they have been unable to do so. At this point they are violating my constitutional credit right provided by the FCRA with inaccurate information and needs to be removed immediately. My next steps are to seek compensation and file a litigation lawsuit for incorrect information. 

XXXX XXXX XXXX XXXX XXXX is not mine and is an error of identity theft. This account needs to be removed immediately from my credit. 

There are also several unauthorized inquiries on my report which I have listed below and also need to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Synopsis : I sold a XXXX XXXX camera body and a XXXX XXXX Lens to Buyer and their partner. 

They are running a chargeback scam by making purchases using Venmos Payment Between Friends with the seller, acquiring the item, and then issuing chargebacks on the cards. ( See this article of what kind of scam this is : XXXX XXXX XXXX ) Venmo won't give me the information of the financial institution so I can not dispute it directly with the financial institution that sided with the scammers that have disputed the charge stating " Sender stated they did not make the purchase ''. 

I have proof that in their transaction records, they specifically stated what they were sending me the funds for. 

Given the amount of proof I provided them, detailed explanation of the timeline, and the very specific transaction memo for what the sender sent me the money for, I do not see how it is feasible that it could be disputed. I can not in good faith believe Venmo did it's best to defend me in this case and, without their cooperation, have no other form of recourse to defend my case with the financial institution to try to get this reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: TX

Complaint narrative:
I have made multiple attempts to speak a live person to understand why I am unable to access my free annual credit report. The system tells me that a report does not exist. I was told to send in copy of ID, SS card, W9 as prood of identify this will be my 3 rd time sending my sensitive information. Please fix this and remove the innaccurate information you are reporting on my credit report. 
Attached is a letter detailing the inaccurate information as well as supporting documments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: CA

Complaint narrative:
This is the third time I have filed a complaint. The company is not resolving the issue. 
The complaint is- the company is not providing complete credit history on the reports they are sending. I got two letters to prove it. And a third letter saying they don't understand my complaint. What? 

TransUnion - pay attention. Once again, here is the complaint Other credit companies such as XXXX have added an option that lets you add items such as credit card history and other payments that give a complete picture of a customer 's credit. I asked TransUnion why they aren't doing it. I did not get an answer. 

Please note that I called you as well. And submitted the feedback email you sent to me, which included the complaint and why. You never got back to me. 

Complaint has not been resolved.

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 2022-10-19 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: PA

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item XXXX not appear on my credit report if it can not be supported by any XXXX XXXX XXXX ( g ) [ 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 non-monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Signed up for an XXXX XXXX credit card with Barclays Bank on XX/XX/2022 with an offer for XXXX AA miles & a {$95.00} statement credit after spending $ XXXX dollars within 90 days. I spent the money, paid the {$95.00} annual fee & got the XXXX AA miles for doing so but have not received the {$95.00} statement credit. This has all been confirmed with the bank several times. Representatives agree that I have met my requirements but they also can not seem to get the credit to happen. 
On XX/XX/2022 I contacted support and they opened a case to resolve this. Today XX/XX/2022 I called again and went through the issues again and the rep confirmed the case existed but there was no update. The rep, nor her supervisor, were also unable to resolve the issue after XXXX minutes.

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 2022-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AFNI INC.
State: FL

Complaint narrative:
afni collection is trying to collect a fraudulent debt I never applied for XXXX XXXX in XXXX that this agency does not call me anymore and do not report any negative account in my report I am already repeating a complaint to the federal agency traffic commission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I paid my credit card balance off by the due date ( a scheduled auto debited by credit card company - Bank of America ), and they charged me interest stating that since the auto debit did not post on the bank 's side before XXXXXXXX XXXX, I am being charged interest. Complete scam. I paid on time and should not be hit with interest due to a system limitation and error on the bank 's side.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : account # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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