vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
Santander consumer USA owned my vehicle that was totaled In a flood in XXXX XXXX XXXX. The vehicle had XXXX  insurance and I was informed in XXXX the account had been settled and they were awaiting the check from the XXXX  insurance. I've not received any contact from Santander since, yesterday I got an email from XXXX XXXX  that Santander is reporting XXXX missed payments on my credit report for an account that should be closed and is no longer my responsibility. When I called santander they are giving me the run around and claiming gap insurance sent the check but they misplaced and are waiting for another copy. This is not my fault and I should be penalized and reported for their mishap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-04-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
As per complaint # XXXX & # XXXX, InComm has failed to credit the {$66.00}. Instead I received an email ( attached ) stating that they are only willing to credit {$17.00}. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I made a payment from my XXXX account to my American Express credit card on XX/XX/XXXX for {$600.00}. Generally, XXXX offers the option to issue the payment as either a Wire Transfer or a Real Time Payment. For some reason, their mobile app automatically routes the transaction through the Real Time Payment network, so my payment was issued as an RTP, which according to XXXX, is settled immediately. On the American Express side, they claim that they can not locate the payment and asked for a document providing confirmation of the settled transaction, which they provided. Now, American Express says that the funds were returned to XXXX on XX/XX/XXXX, but XXXX can not locate the funds on their end, stating the following : " Please provide a tracking number or reference number for the return of the funds. We can not locate the funds without a reference number. Please note, the reference number listed in the letter from American Express is their internal case number, not a number related to the transaction. '' On XX/XX/XXXX, American Express shared documentation they claim is proof of payment but the information is incomplete and makes no sense. The documentation shows the details of the debit account but has no information on the credit account, other than " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
These accounts were not created by me, and I believe they are fraudulent. I am respectfully asking you to do a thorough investigation and remove them from my credit report. I have submitted supporting documents to validate my assertion.

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 2024-04-12 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
On XX/XX/2024 XXXX shared my nonpublic consumer information to XXXX, XXXX, and Transunion. The law states it is illegal for financial institutions to report consumer account details and other nonpublic consumer information to nonaffiliated third parties. Institutions must develop and give notice of their privacy policies to their own customers and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure per 15 U.S.C. 6801. I am opting out of any and all authorizations per 15 U.S. Code 6802 and per 16 CFR 313.1

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2024 XXXX shared my nonpublic consumer information to XXXX, Equifax, and XXXX. The law states it is illegal for financial institutions to report consumer account details and other nonpublic consumer information to nonaffiliated third parties. Institutions must develop and give notice of their privacy policies to their own customers and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure per 15 U.S.C. 6801. I am opting out of any and all authorizations per 15 U.S. Code 6802 and per 16 CFR 313.1

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
On XX/XX/2023, XXXX XXXXXXXX XXXX XXXXXXXX XXXX closed my account in the amount of {$740.00}. They sent this information to the credit bureaus as a " Charge Off ''. Since then, they have not sent me a 1099-C form for a Cancellation of Debt for this item. I am requesting this be taken care off and delete this item from my credit report ASAP.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
The current payment status of 90 Delinquent is incorrect because the balance due on this account is {$0.00}. 
XXXX Secured credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$200.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXXXXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I was never late on this account. I have made all my payments on time. was previously deleted and returned for some reason. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$680.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$260.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally sent this letter. 
Sincerely, 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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor.

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX Recently, you requested the documents Cash App relied on to determine the outcome of the dispute claim you made. 
An investigation of your claim submission and account details concluded that this is an authorized transaction and no error occurred. 
For your reference, we have included a summary of the transaction ( s ) we analyzed in making our determination. In addition, we also reviewed your account/transaction history and profile settings. As a result, your dispute was denied. 
Thank you for your time and patience while we collected this information. 
Thank you, XXXX Cash App Support Date Status Amount Last XXXX of Card Type Statement Description Instrument Variant XX/XX/XXXX at XXXXXXXX XXXX  XXXX Captured {$4400.00} XXXX Card Present Purchase XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
These inquiries are not mine, and I have no any connections to any of the creditors listed. They must be instantly removed from 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 non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
On XX/XX/2022 XXXX XXXX closed my account in the amount of {$490.00} and reported it to the consumer credit reporting agencies as " charged off ''. Since then, I have not yet received the 1099-C form for a Cancellation of Debt for this item. I am requesting again that this be removed from my credit report and to send me the 1099-C that I am entitled to. This has put a major ding on my credit report and needs to be taken care of.

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 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
Last year in XX/XX/2023 I was looking for an apartment due to change in my work location and long commute to my new office. I visited XXXXXXXX XXXX XXXX XXXX in XXXX, WA to ask for an application. They told me to submit an application online for background check and pay non-refundable {$40.00}. When I tried submitting an application on their website, I had to pay {$260.00} refundable deposit in addition to {$40.00} application fee to submit the application otherwise the website wouldn't allow me to submit the application. After I had submitted the application the apartment managers did not get back to me for almost 10 days. Then my son who lives out of state and is an XXXX XXXX XXXX  advised me not to move into that apartment complex as it is unsafe with reports of vandalism in their parking lot. I called the apartment and requested refund of my refundable amount paid by me. They said they will send me a XXXX check. Instead of mailing the check their accounting office started claiming that I owe them {$260.00} They started sending me fraudulent emails and texts this has led to financial harassment. Now they have reported against me through Columbia/Genesis . It is showing as an unpaid debt on my XXXX and XXXX credit report. I never bought or used any service from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon the relationship ending XXXX I have requested ALL documents associated with alleged account and have NOT RECEIVED ANY. 

In fact, XX/XX/XXXX I received a XXXX XXXX letter advising consumers of fraud, and potential PI compromised. 

In addition, the company is violating my consumer rights per FCRA 604 15 USC 1681.

I believe the Lack of Validation is indicative and supports my concerns of false reporting while violating my consumer rights.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Kindly eliminate these queries. I lack information on this matter, and the company acted without my approval.

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 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I cashed a paper check from my employer on XX/XX/2024 for {$2600.00}. Initially it appeared that the check was properly deposited, then I got a phone call yesterday ( XX/XX/XXXX ) from fraud management at citibank saying there was an issue and to call them back. I called them back immediately and waited on hold for at least 20 minutes. Then I was told that the check I tried to cash was deemed to be fraudulent so a hold was placed on both my checking AND my savings account. I was told the only way to fix this issue was to have the maker of the check call and verify it. The following day, I had both a representative from my finance department and a representative from the county commissioners office that I work for reach out to Citi. They still have not removed the hold. I have called them several times and no one answers ; no one even speaks good XXXX. I have been hung up on both times I have asked for a supervisor. The veracity of the check has been proven by two individuals from my office and yet all of my money is still frozen. I was also told to go to a local CitiBank office to meet with someone in person but there are no citibank offices in the state of Colorado where I live.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My social is showing incorrect on my file I just submitted another dispute I need them to correct all matters plus its been well over 30 days for the last dispute previously please help asap this is ridiculous I have sent them copies of my actual social as well still no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX we signed a listing agreement and third party authorization for SPS to speak to our agents. 
On XX/XX/XXXX the third party authorization was sent to SPS via fax and email SPS received and acknowledged this. 
On XX/XX/XXXX our agent spoke with them and sent over listing information and requested payoff and informed them we wanted to do a short sale On XX/XX/XXXX we were informed we were not eligible for a short sale or remodification- only full payoff On XX/XX/XXXX a full appeal package was sent to SPS and we asked for a review with their customer advocacy department. Our agent also requested a call from the loss mitigation person handling our loan, no call has been made to her in the past 48 hours per them saying they would. 
We asked for them to please stop the auction as we put in the request prior to the 37 days as they are saying there is not enough time. Our agent has been calling SPS daily and getting the run around. 
We also asked if they are denying us the ability to have a short sale on the property to allow a deed in lieu and they say we do not qualify for that either, only full payment of loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation