vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
There has been statements which have not matched my records and statements which have not been in accordance with the disclosures from SANTANDER CONSUMER USA XXXX that I have received at the consummation of the transaction. I am formal giving notice of this billing error until I receive all documentary evidence. Until this documentary evidence has been received this billing error is a violation of 15 U.S.Code 1666b. 


The billing statement I received by SANTANDER CONSUMER USA XXXX on XX/XX/2020 is a billing error. To clarify and addressed such subject matter contained in this billing statement I am invoking my right to obtain the documentary evidence, in accordance with 15 U.S.C. 44 for the books of account as described in IRS Publication 583. To verify such alleged amounts, I want to see both journal and credits of account and ledger and debits of account to verify the current accounting and taxes associated with this account. Also, I am putting all of the past from the date the account was open, present, and future billing statements in dispute also until I get provided the documentary I am requesting to clarify and address the matter. 



15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done SANTANDER CONSUMER USA XXXX can not report late payments in accordance with regulations of the XXXX12 CFR 1026.13 ( d ) ( XXXX ). If SANTANDER CONSUMER USA XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b. I am disputing billing error on past billing, from the time the account was open, present, and future until you provide me with the documentary evidence I requested in this statement and therefore it is a violation for all the late payments you posted onto my reports so I need this updated immediately. 

SANTANDER CONSUMER USA XXXX as the creditor may not collect any disputed amount, I the consumer does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by SANTANDER CONSUMER USA XXXX will forfeit its rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold the creditor liable under 15 U.S.Code 1693m for SANTANDER CONSUMER USA XXXX for the actual damage caused to me as well as held to criminal liability pursuant to 15 U.S.Code 1693n for failing to required documentary evidence as requested to clarify and revolve the previously addressed billing error. 

with resolving this billing error, the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S.Code 1666 ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: FL

Complaint narrative:
I call XXXX and sent certified mail for them remove the Bk

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 2021-11-24 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: WA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Collection : XXXX XXXX balance {$860.00} ; XXXX XXXX XXXX balance {$170.00} ; XXXX XXXX balance {$400.00} ; XXXX PROGRESS XXXX balance {$55.00} ; XXXX XXXX balance {$0.00} ; XXXX XXXX XXXX balance {$500.00} ; XXXX XXXX XXXX balance {$880.00}

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 2021-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management hired a law office to collect a debt called XXXX XXXX XXXX which I requested within 30 days of receiving the letter to verify the debt by US certified Mail on XX/XX/2021 instead I received another letter from another Law office called XXXX XXXX XXXX, XXXX to collect the same debt on behalf of Midland Credit Management which again I requested to verify the debt using US certified Mail on XX/XX/2021, but did not receive any verification from them in over 30 days that constitute a verification of the claimed debt. 
I Called Midland, a representative named XXXX XXXX advised to call the attorney, when I called the attorney at XXXX XXXX XXXX claimed they do not have verify the debt in certain time limit, they all give me the run around to simply verify the debt with all the attorney 's phone people rudeness and pushing to extract more info and talking about settlement of unverified debt to start with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: Total Card, Inc.
State: LA

Complaint narrative:
There has been statements which have not matched my records and statements which have not been in accordance with the disclosures from TOTAL CARD INC. that I have received at the consummation of the transaction. I am formal giving notice of this billing error until I receive all documentary evidence. Until this documentary evidence has been received this billing error is a violation of 15 U.S.Code 1666b. 


The billing statement I received by TOTAL CARD INC. on XX/XX/2021 is a billing error. To clarify and addressed such subject matter contained in this billing statement I am invoking my right to obtain the documentary evidence, in accordance with 15 U.S.C. 44 for the books of account as described in IRS Publication 583. To verify such alleged amounts, I want to see both journal and credits of account and ledger and debits of account to verify the current accounting and taxes associated with this account. Also, I am putting all of the past from the date the account was open, present, and future billing statements in dispute also until I get provided the documentary I am requesting to clarify and address the matter.

15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done TOTAL CARD INC. can not report late payments in accordance with regulations of the XXXX CFR 1026.13 ( d ) ( 3 ). If TOTAL CARD INC. reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b. I am disputing billing error on past billing, from the time the account was open, present, and future until you provide me with the documentary evidence I requested in this statement and therefore it is a violation for all the late payments you posted onto my reports so I need this updated immediately. 

TOTAL CARD INC. as the creditor may not collect any disputed amount, I the consumer does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by TOTAL CARD INC. will forfeit its rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold the creditor liable under 15 U.S.Code 1693m for TOTAL CARD INC. for the actual damage caused to me as well as held to criminal liability pursuant to 15 U.S.Code 1693n for failing to required documentary evidence as requested to clarify and revolve the previously addressed billing error. 

with resolving this billing error, the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S.Code 1666 ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I went into Chase Bank XXXX, XXXX location on XX/XX/2021 around or close to XXXX XXXX XXXX to deposit my convenience check pursuant 26 CFR 1.6050W-1 ( 5 ) ( ii ). When I walked in I was greeted by XXXX XXXX. There wasnt any bankers available so I waited until XXXX XXXX told me that she was available. I told her I wanted to deposit my check and because she was familiar with my convenience check she called her back office for assistance. Whomever she spoke with told her it was ok to deposit the check and she did exactly that. I told her I wasnt sure that it could be done or not that I had been studying and after reading the company agreement I thought to give it a try. I was amazed that it was really a thing. ( XXXX ) days later I came back with more because and was told I couldnt deposit my checks after ( XXXX ) days prior I was told I could. I was embarrassed how the employees handled me on XX/XX/2021. I asked if I could get something in writing as to why I could not deposit my check and the branch manager XXXX XXXX told me no. On XX/XX/2021 I went to swipe my card and it was declined. I went to check my mobile app and an error message popped up stating " we locked your account due to suspicious activity. I immediately called the number they provided and there was a XXXX hour hold so I went into a the closes branch to where I was at that time. The lady that was there was phenomenal and tried her very best to assist me. She called her back office and we spoke to a guy by the name of XXXX if Im not mistaken. He couldnt really help so after being there for around XXXX in a half hours I left. I am not sure why I am being punished for depositing my check when I was told that I could? I have had other reach out stating that they called in to that exact same branch in XXXX and was told that I scammed the bank. I have been stressed, my XXXX XXXX has been extremely high, and on top of that my lights have been disconnected because I could not pay my bill due to the bank holding my personal funds. I have not been able to feed my children and I will be seeking litigation for the damages. I did no wrong. If it was against chase bank policy to deposit convenience checks I would have appreciated XXXX just saying that. Now Im without a bank account. They closed my son account, and it now seem to be a block on my business bank account. My application was an instrument used to open the account. That instrument is sold as a security and with closing my account I ask for my original instrument back. I will look up Chase bank XXXX XXXX and file a lawsuit again them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and XXXX am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: FL

Complaint narrative:
Due to the databreach at Equifax I believe I have been victim to ongoing identity theft. I am unable to verify my identity with XXXX  e-verify as well as any service which uses Equifax. I have repeatedly contacted Equifax by phone to unlock my account which locked me out of the ability to login for over a year. I refuse to send Equifax copies of my personal identification by mail for verification. I do not trust Equifax nor do I consent to them having or using my personal data. Because of the data breach at Equifax my financial life is severely damaged and I will not send them anything as they can not be trusted. I have no issues verifying my identity with XXXX XXXX or XXXX. However Equifax has false adverse actions on my report which I need to review and can not. 
I am able to provide correct answers to all my verification requirements by phone however they demand these documents which I refuse to provide. I have explained time and time again that I need to verify what fraudulent adverse accounts are being shared by Equifax. 
I have verified my identity with the XXXX and XXXX XXXX XXXX in person and Equifax could easily check public records to verify facts like property ownership and LLC EIN or any other info. I refuse to send them my license and ssn # cards. How can I know they will not misplace or improperly dispense of those copies? I do not trust them. They are required by law to provide my report and that report is filled with fraudulent information which I am unable to address due to Equifax failure to keep my information safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, 2021, i have recieved an email from cashapp regarding my account, they were saying i was in the negative, but i wasnt using my card. When i have messaged support about the issue, no one was giving me an answer on what happen or why it was happening, instead they chose to pretty much ignore the situation, they said they will get a specialist on it then stop talking when i asked if anything in the system stating what happen. XX/XX/XXXX i heard nothing back so i messaged them again, they told me to pick a transaction that i was disputing, but cashapp had no transaction to show they took {$65.00} from my account. When i told them that, they asked for a case number, i told them i do not have one because i have been ignored instead, he then told me a specialist will help me, so i asked again what the system is saying about why the money was gone, but received no answer again. On XX/XX/XXXX, i got an email from cashapp saying that it was about the charge back that i asked for prior. Which cashapp has chose the company won on XX/XX/XXXX, but after that decision the company refunded my money on XX/XX/XXXX, now it being over a month after they refunded me my money, cashapp has taken the money saying they reviewed both sides of the claim and choose that the company won, but i never recieved an email to fight against it, i had no warning about it, just an email saying my account was in the negative. I have sent cashapp the email they sent saying the company won, and another screenshot showing the company refunded my money a month after that decision. Cashapp has not responded back to me after that, they are ignoring me. I recently had XXXX and it was my only way of receiving money to help with food and bills while i cant work, and they are still choosing to ignore me instead of trying to situate it. They really shouldnt be able to take money out of peoples account without emailing them, without warning, or without being able to fight it. The money was refunded to my account over a month before they took it upon themselves to take it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: GA

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the XXXX. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
There has been statements which have not matched my records and statements which have not been in accordance with the disclosures that GENESIS FS CARD SERVICES that I have received at the consummation of the transaction. I am formal giving notice of this billing error until I receive all documentary evidence. Until this documentary evidence has been received this billing error is a violation of 15 U.S.Code 1666b. 


The billing statement I received by GENESIS FS CARD SERVICES on XX/XX/2020 is a billing error. To clarify and addressed such subject matter contained in this billing statement I am invoking my right to obtain the documentary evidence, in accordance with 15 U.S.C. 44 for the books of account as described in XXXX XXXX XXXX. To verify such alleged amounts, I want to see both journal and credits of account and ledger and debits of account to verify the current accounting and taxes associated with this account. Also, I am putting all of the past from the date the account was open, present, and future billing statements in dispute also until I get provided the documentary I am requesting to clarify and address the matter. 



15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done GENESIS FS CARD SERVICES can not report late payments in accordance with regulations of the XXXX12 CFR 1026.13 ( d ) ( 3 ). If GENESIS FS CARD SERVICES reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b. I am disputing billing error on past billing, from the time the account was open, present, and future until you provide me with the documentary evidence I requested in this statement and therefore it is a violation for all the late payments you posted onto my reports so I need this updated immediately. 

GENESIS FS CARD SERVICES as the creditor may not collect any disputed amount, I the consumer does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by GENESIS FS CARD SERVICES will forfeit its rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold the creditor liable under 15 U.S.Code 1693m for GENESIS FS CARD SERVICES for the actual damage caused to me as well as held to criminal liability pursuant to 15 U.S.Code 1693n for failing to required documentary evidence as requested to clarify and revolve the previously addressed billing error. 

with resolving this billing error, the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S.Code 1666 ( e ).

Company response to consumer: Closed with explanation