vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-20 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: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
I have new and updated information regarding complaint number XXXX. I repeatedly requested the following documentation : a comprehensive audit trail to include all documentary evidence to validate the authorization of this transaction, debt validation, the Generally Accepted Accounting Principles ( GAAP ), proof of accounting ledger from when the account was created up to its current state, the signed authorization that gave them permission to access and release my personal private information, signed in wet ink consumer credit application, proof of name and address of the original creditor that created this transaction, and name and location information of all parties that benefitted from this transaction, but FORD CREDIT have failed to send the requested documents. They are violating my consumer right to assess and validate this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: MO

Complaint narrative:
n accordance with the Form 1099-C requirements XXXX  account XXXX has been illegally reported on my consumer report ; Form 1099-C must be filed regardless of whether the debtor is required *to report the debt as income*. ( and is therefore not a debt but income ) However the debtor has reported this account as debt but remarked and/or reported the account ( for months ) as charged off ( i.e. 1099-C filed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
Home Depot promoted {$50.00} off my purchase of {$300.00} or more when approved for a Home Depot credit card on XX/XX/2022. I signed up and was approved on the spot and input my new card information for the purchase, but no discount was creditted to the purchase before completing my order. I called their card services and the XXXX  representative told me it would be taken off my XXXX statement once i paid off the XXXX statement balance. I informed him that was not what was advertised and requested to speak to a supervisor. The supervise informed me the first representative was incorrect, and I will receive a {$50.00} credit on my first statement, reducing my amount due for my XXXX  statement from {$360.00} to {$310.00}. That was not what was advertised, but I found this to be acceptable. Today, i received my first statement and there is no credit applied to my purchase, meaning The Home Depot has failed to abide by the terms set forth and agree upon when my line of credit was opened. This is false advertising and breaking legally binding agreements between two parties and needs immediate resolution. I should not have to reach out multiple times to receive a promotional discount due to me and receive a run around. I was told this discount will take approximately two weeks to be reviewed, which is pushing the due date on my statement.

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 2022-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
An appraisal was ordered and conducted on XX/XX/21 for my home. However it has been months since the appraisal and Caliber home loans has been lost trying to find it. I have called support multiple times as well as messaged them online. During my most recent conversation with them they told me there was nothing they could do and the appraisal shouldnt have happened in the first place and canceled my request via letter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-03-20 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: MO

Complaint narrative:
n accordance with the Form 1099-C requirements XXXXt account XXXX has been illegally reported on my consumer report ; Form 1099-C must be filed regardless of whether the debtor is required *to report the debt as income*. ( and is therefore not a debt but income ) However the debtor has reported this account as debt but remarked and/or reported the account ( for months ) as charged off ( i.e. 1099-C filed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: MO

Complaint narrative:
n accordance with the Form 1099-C requirements XXXX account XXXX has been illegally reported on my consumer report ; Form 1099-C must be filed regardless of whether the debtor is required *to report the debt as income*. ( and is therefore not a debt but income ) However the debtor has reported this account as debt but remarked and/or reported the account ( for months ) as charged off ( i.e. 1099-C filed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit
State: CA

Complaint narrative:
This is my XXXX lease with Audi. I have always turned in my leases early with no issues. I initially went to trade in my car and get into another lease in XX/XX/XXXX. My credit had taken a hit but I had excellent payment history on 5 other cars with Audi. They turned me down and told me to try again in a few months, which made no sense to me. In XXXX I tried again and they were able to get the lease offer to go through. I asked the salesperson about my remaining balance and the circumstances and she told me not to worry. Even when I was with the girl in finance, I asked her if my other car was paid and she also told me not to worry. There were two payments that were put at the end of my loan due to 1. ) paying out of pocket for XXXX treatment in XXXX and not being reimbursed and 2. ) a serious financial hit that I took from an accident in XXXX. Audi told me to let the dealer know about the circumstances and I did that. All was well until XX/XX/XXXX when I received a balance due from my other car. I immediately reached out to my salesperson and she basically gaslighted me. At one point she accidently sent me an email where she was speaking negatively about me which was inappropriate and upsetting. I spoke with XXXX XXXX and Audi Financial. Audi Financial would not work with me and I told them that I was duped by the dealer. I was in a bad medical situation due to XXXX and they lied to me. My car should have been paid off and I wouldn't have gotten into another car if not. They should have been up front and put that amount in my new loan or whatever they have done in the past. This is totally unacceptable. I've had issues with their service being unethical as well. They tried charging me several times in the past for items under warranty. In that situation, XXXX XXXX was able to assist and I never returned to them for service. Audi Financial refused to help. XXXX XXXX tried to assist and spoke with the GM of the dealership and he admitted to them that he has had issues with his team. When I tried to work with him to resolve this situation, it became harmful to my wellbeing. He was combative and rude. With my health issues, I'm not able to deal with this type of behavior. Last week, I received a collection notice regarding this disputed balance. I have exhausted all options to resolve. This is illegal and unethical. Taking advantage of a XXXX patient is so disturbing. Then on my current vehicle that payment was due on XX/XX/XXXX, Audi Financial is preventing me from making a payment. At first I thought it was a site error, but when I tried again today, there was NO way for me to pay my car payment online. There are no payment options available in my online account! I've been making on time payments since I started this lease!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Hello, My complaint revolves around the Menard 's BIG card, which is managed through Capital One. On XX/XX/22 I contacted Capital One to find out why my 6 month same as cash had not be XXXX  out. I calculated the the total divided by 6 and paid accordingly. However, when I contacted XXXX at Capital One, she said that it doesn't work that way. The money that I pay gets split up, by their determination, amongst my different balances. So I asked the question, " So if I want to allocate my payments in order for the promotional balance expiring first, how do I do that? '' Her response was, '' That's not possible. I agree with you that it's not right, but that is the way they set it up. '' I let her know that in this situation, there really isn't a 6 months same as cash if you have multiple promotions on one card because the customer really doesn't know where their cash is being applied to which promotional balance. In the end I paid the entire card off and closed my account. Kind os a XXXX  move on the credit card companies part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
I had a large amount of money deposited in my account from my unemployment, and ally bank closed my account for suspicion activity, I had over {$6000.00} deposit in my account, I called and they say it wasn't me .and it was and will not even return the money back to unemployment office either

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 2022-03-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I have spoke with XXXX and told them at the moment I can put pay anything because I dont have the money at the moment to pay them. I told them once I have the money I will contact them. Now I see that they have proceed to collections. I was not told that. I was told someone will contact me to discuss the issue I have. The representative for enterprise gave me false information and now Im seeing that this amount is going to collections and its stressing me out. Why would they do that and not even tell me or warn me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received an e-mail that I had a new document waiting for me from Capital One. I checked my account and saw that my account was being closed due to returned payments. I had forgotten I had the account set on autopay. 

I called Capital One to see what options were available to me as the card was already closed, but I still wanted to take care of the balance. The first rep I spoke with told me that it is not possible to waive any fees ( past due fees, over-limit fees, etc. ). He also said my account wasn't eligible for any payment plans. I asked to speak to somebody above him and he initially put me on hold, but when he came back, he basically told me that I was going to be told the same thing and there was nothing he could do. 

I then reached out to Capital One on XXXX as sometimes I have better luck with the social media team. They gave me two numbers to call other than the one on the back of my card, and all numbers routed me to the same call center. I spoke with another rep and told her the same thing. I said I wanted to get the account paid down, but I can not afford the minimum of {$110.00} and asked if I made a good faith payment of something like {$25.00}, if I could get on a payment plan and she said no. I also asked if payment plans freeze any fees so the balance can actually be paid down and she said no. I told her it basically sounds like I would never actually get the balance paid down as Capital One would keep charging fees and my payments would go towards the fees ( pure profit for Capital One ) and not the balance and she agreed. I asked to speak with a supervisor.

Supervisor gets on the phone and I have to re-tell the entire story once again. She agreed with what the previous rep said and that essentially Capital One will not waive any fees, will not put me on any sort of payment plan, will not freeze any fees or interest so I can make payments towards the balance and not have them absorbed by fees, and Capital in no shape, way, or form has the ability to help. I told her it sounds like my best option is to just let the card get completely charged off at the 180 day past due mark and then negotiate with the 3rd party collection agency that takes on the debt and she agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Hello, Capital One XXXX has a price recommendation tool as a credit card perk. 

They explicitly, and loudly, tell you to WAIT FOR A BETTER PRICE or BUY NOW when purchasing flights. 

My flight was {$180.00}, and they told me it is expected to drop to {$110.00}. Instead, it increased all the way to {$480.00}. 

I called and asked them why their prediction was so far off. They said, This information recommended by the airline. 

That seems like a major conflict of interest. It is in the airlines best interest to get you to buy when prices are high. 

Furthermore, they offer a price guarantee that if they are off on their recommendation, they will refund you. However, this instills false confidence, as the fine print details that the guarantee only works up to a {$5.00} refund cap. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: WELLS FARGO & COMPANY

Complaint narrative:
Upon review of my consumer report I have never signed or had a contract with Wells Fargo but I seen damages and harm to my consumer report after seeing an account Wells Fargo has been reporting thats false and inaccurate information to my consumer report I spoke to Wells Fargo reps on about the XXXX of XX/XX/2022 the names are XXXX, XXXX XXXX And XXXX gave me a case number XXXX XXXX XXXX Executives intake.. 
The account thats being reported is affected my personal life and violates my rights as a consumer

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 2022-03-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/ 2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/ 2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-03-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/ 2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
Spring Oaks capital date XX/XX/2021 I notified company of unauthorize charges lost or stolen wallet debt not valid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
On XXXX22 I sent the collection agency s letter to validate my debt by sending me a copy of any viable evidence bearing my signature and showing the amount reported as inaccurate. I also requested how they verified the account without providing any proof bearing my signature. I requested a copy of any documents bearing my signature showing that I legally have a binding contractual obligation to pay the alleged amount. They did not send me anything bearing my signature and just sent a letter saying it was verified. I wish this to be deleted from my credit bureaus or I will be forced to file a small claims action seeking a minimum of {$1000.00}.

Company response to consumer: Closed with explanation