vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$440.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 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: FL

Complaint narrative:
There's a factual inaccuracy on my credit report showing a balance of {$12000.00} but this debt has already been sold so it should be presented as a zero balance since the debt has been sold and off their income sheet. 

Furthermore, they are presenting false Account Number as # XXXX this direct violation of Section 609 ( a ) ( 1 ) : Information to be disclosed : Advisory Opinion to Darcy ( 06-30-00 ) stating : " In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file. '' They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

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 2020-04-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have contacted XXXX  and Equifax numerous times to tell them to please remove my XXXX student loan from my account. This student loan was co-signed with my father. He has filed for Bankruptcy and this loan was discharged during bankruptcy for him and myself. It should no longer be on my credit report. XXXX no longer has any information about this account because it was discharged during my father 's bankruptcy, which is no fault of my own. As such, the account should be removed from my credit report and should not be put as discharged on my credit report because it was discharged because of my father 's bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried to open disputes online through the portal where I have an account but continue to get an error saying I cant dispute online. This has been a nuisance as Ive had this account for several years but always have issues where I can not dispute anything. They are advising for security reasons but that doesnt seem right as I am accessing my request from my account.

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 2020-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I booked a hotel in Hawaii using Capital One Rewards. The booking was forXX/XX/2020. When Covid-19 began to spread, it became apparent that it wouldn't be safe to travel from our home in XXXX California to Hawaii at that time. I am in the high-risk population for contracting the disease, XXXX years old with underlying health condition. 
I contacted the hotel to cancel the reservation, and I contacted Capital One to inform them that I would not be traveling. 
They have informed me that this was a " non-refundable '' purchase. However, I believe this situation would amount to an " Act of God '' which should override such an agreement. 
They claim that I did not contact them, because, apparently the rewards department is separate from the ordinary credit department. They further claim that the reservation was not cancelled, which it was. 
Further, Capital One did not pay the hotel for the reservation, so they have incurred no expense

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was an authorized user on the Citibank CBNA credit card of my father XXXX XXXX XXXX. My father has not had the credit card in years. I am about to purchase a condo and that credit card appears on my credit report as open. It has a {$49.00} balance and an {$8400.00} credit limit. 

My broker suggested that I correct it since it may affect my credit rating.

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 2020-04-05 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
It is impossible for Experian to know if I was in receipt of any goods, moneys, or services due to fraudulent accounts reporting on my credit file. There are accounts being reported on Experian credit file that I have been disputing for several months. Experian recently sent a letter to me stating that i had received goods or services and that the were not able to honor my request. I find this very discriminatory, biased, and impossible for Experian to have such knowledge as such. I recently over the past 60 days have contacted Experian through direct mail and phone about several accounts reporting on my consumer credit file that were established without my knowledge and or consent. I recently received a copy of my credit report from Experian which stated nothing more than it was just a copy of my credit report. I also took the initiative to file an identity theft report which included some of the fraudulent accounts in question as well as the fraudulent addresses. Experian has failed to provide a reasonable investigation within the 30 day time frame allotted per the Fair Credit Reporting Act which is a violation of my consumer rights. In addition unlike XXXX and XXXX Experian has failed to provide a block within 4 days of being notified by a consumer who's been a victim of identity theft. Experian has had more than enough time to complete an investigation but continues to violate my rights as a consumer by continuing to report the fraudulent accounts to my credit file. I find this totally unacceptable and Experian should be held liable. The accounts in question are 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 explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
The office of my governor suggested I contact you regarding the repossession of my car during this coronavirus crisis. On or about XX/XX/XXXX, my car was repossessed. I called the bank to inquire what need to be done for the return of my car. I was told that I needed to pay the full amount of my outstanding balance of {$36000.00}. I offered to pay the outstanding overdue arrears of {$1300.00} plus {$10000.00} toward the {$35000.00}. This would leave a balance of {$24000.00} for refinance. I explained to the person that I am a XXXX XXXX and had been in the hospital and I only get pay if I go into work and that I am still not well. I feel behind in my payments. I was told that they do not do a refinance and that the only option was to pay the full {$36000.00} if I want my car back. The car is scheduled to go to auction on XX/XX/XXXX. I pointed out to the person I was speaking to that by auctioning my car they would not get the full price back. At least, they can get their money back from me. Since we are still in stay home state order, I am assuming that my car is still available. I would want my car be deliver back to me. 

I am a XXXX XXXX currently working XXXX  from home. I have XXXX XXXX  and would appreciate it if someone would help me in this matter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I HAVE A SEVER XXXX  XXXX AND NO ACCESS TO XXXX  OR USAA. Documentation of request options for my XXXX TO NO AVAIL. My letter XX/XX/XXXX to XXXX  requesting VERIFICATION OF ORIGINAL WRITTEN DOCUMENTATION TRANSACTIONS PURCHASED BY ME DELIVERY ACCEPTANCE SIGNATURE OF DELIVERED INTO MY HANDS. Proof XX/XX/XXXX XXXX  RECIEVED THE BELOW : XX/XX/XXXX XXXX. case # XXXX CRIMINAL INVESTIGATION OF DELIVERIES NOT DELIVERED AFTER XX/XX/XXXX. 
USAA FRAUD CLAIM dated XX/XX/XXXX XXXX XX/XX/XXXX FRAUD OF {$470.00} UNAUTHORIZED TRANSACTIONS INVESTIGATION TOOK 10 MONTHS TO COMPLETE. FTC Ideninity Theft case XXXX dated XX/XX/XXXX. IT APPEARS STATUTES ARE IGNORED BY XXXX  AND USAAXXXX Confirmation XX/XX/XXXX USAA XXXX DID NOT CORRECT THE ISSUE. I was DENIED CREDIT DUE TO INCORRECT CREDIT REPORTING. THIS IS ID THEFT. XX/XX/XXXX see attatched. I followed ftc guidelines BANK AND CRA DID NOT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD Bank constantly mailed me a pre-approved credit line offers. 
Recently I decided to give them a try, so I applied for a pre-approved credit line offer they mail to me. 
As XXXX XXXX  with a long experience in the e-money industry and the payment systems, I applied with confidence as I take care of my credit score/report, reasonably utilize my credits, never missed a payment, keep myself up to date about the payments system industry and never got a credit application rejected. 

TD Bank performed a hard inquiry to my credit report, and on XX/XX/2020, I got TD Bank decision for my credit application, that stated that they are unable to grant my request for credit for the following reason : " Unable to validate information provided on your application ''. 

What information they weren't able to validate? They just provided an elastic and foggy reason that would allow them to deny any application regardless of any provided facts! 

And why didn't they communicate with me if they still need more verifications before taking their decision? 

I don't accept TD Bank 's decision, request my application to be double-checked, and request them to provide a clear and reasonable reason/s if they are still unable to grant my request for credit! 

Note : I checked TD Bank web-site to find any E-mail I could use to communicate with them or any appeal process, but they don't share such type of communication channels. 

Attached are copies of TD Bank mail and my XXXX  credit report for your reference. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma, LLC
State: CO

Complaint narrative:
Credit karma had filed for my XXXX taxes. Or claimed they did. They sent me an accepted file for my state and federal taxes. I never recived the {$2200.00} direct deposit they claimed I was supposed to. How could they send me accepted forms and never my $? Its Now XXXX filing time over the year of frustration I havent received even one letter concerning the issue ... the emails never pertain to the issue and they have NO phone #!!!!! It wouldnt let me look at my old forms until I file XXXX with them.. even though I have repeatedly e maild them on this issue they have never gotten back about this issue. It has been almost a year of fighting for my tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC
State: SC

Complaint narrative:
On XX/XX/2019, my husband cashed a check for {$3500.00} from a financial company, XXXX XXXX, that was made out to me, without my knowledge. He received the check in the mail as per their marketing. The check was in my name, but he had no problem cashing it, even though on the check it says you need two forms of ID. He even forged my signature on the back. 

The company says that I am responsible for the amount because it was my husband who cashed it. 

It is unacceptable that it was so easy for him to cash that check. I should not be held responsible for his actions. 

The only way that I found out about it, was that XXXX XXXX sent a letter to me in XXXX saying that payment was past due! I called them and they told me that sure enough, someone had cashed a check that they had sent in the mail. But because I knew the person who had cashed it, they could do nothing about it.

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 2020-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
An ad. of XXXX which offering free gift to anyone if he/she completed the survey with them online in XX/XX/XXXX. This company 's products XXXX XXXX XXXX XXXX XXXX showed up on the list as gifts to offer for free. Customer just paid for shipping and handling. My cousin, XXXX XXXX, borrowed my credit card and paid {$6.00} for shipping and handling for the above 2 products. After that he didn't order any more product, but on XX/XX/XXXX this company imposed 2 charges one {$110.00} from XXXX and the other {$110.00} from XXXX totally {$230.00} and the money was withdrawn from my credit card account. 

I have read the BBB 's report that these group of people have engaged in illegal activities. They have used alot of different names and phone numbers for cheating like XXXX XXXX XXXX XXXX, XXXX XXXX XXXXr, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXr XXXX XXXX, ... .and a lot more with ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ... and more. 

I had reported and argued with the Chase Card agents that they'd wrongly used my account to pay for this cheating group of people while mine and my cousin 's name were different. The card agents said they would try to ask the cheating company for a refund. However, after more than a month of dispute between them, on XX/XX/XXXX I received a letter from Chase said that the charge from the cheating group was valid!! 

I called Chase on XX/XX/XXXX with the number they gave XXXX XXXX XXXX XXXX in order to dispute what they said, but they just let the answering machine running. I had been waiting for more than 103 minutes from XXXX A.M. to XXXX P.M. no one picked the phone up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN INTERNET MORTGAGE
State: AZ

Complaint narrative:
Aimloan.com sent me an email stating what my rate would be with points. I was already locked in to a certain day. They sent 3 options I had requested via email based on the day I locked. Then when I choose an options that was less points with a higher rate they emailed back stating they had priced incorrectly and that I needed to pay more points. Misleading and trying to unnecessarily charge me more because I picked a higher rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Due to COVID I had a check come in late. My bill is due on XX/XX/XXXXI saw that Citibank had started processing my payment on the XX/XX/XXXX. It came back NSF on XX/XX/XXXX. I moved funds into the XXXX account that they withdraw funds from. I called Citibank and manually paid the bill on the XX/XX/XXXX. I spoke to a Citibank representative at that time and explained that I had manually paid and that I had had some delays due to COVID. He said it was fine, that I wouldnt be charged late fees because I had called. 

Subsequently, they have tried to collect the same bill 3 times. Each time I call and each time they say they can do nothing about this. So far I have had to pay XXXX $ in NSF fees because after 2 weeks they are still trying to collect the same bill which has been clearly posted as paid. In the mean time, they are charging me late interest on the same bill claiming the fees are standard on an unpaid bill. They are now not taking my calls. 

The 3rd time I called them they said it had been taken care of. I asked them to remove my autopay feature, and send paper bills. I informed them that XXXX would be refusing any further autopay from them. The next day they did it again. They are crippling me financially. 

The managers say there is nothing they can do. Every other bank I have recognizes that if I make a manual payment that my minimum due has been paid. But Citibank practices predatory lending practices and is currently collecting late interest and continues to ruin my good payment history with XXXX. I am reaching out to you because I have no other idea how to resolve this. Attached are my bank statements that clearly show that the minimum due was paid and that they have continued trying to collect 3 times after it was paid.

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 2020-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I filed a complaint with your institution against XXXX XXXX XXXX because they placed an account on my credit that did not belong to me and they never contacted me before placing the account on my credit. Once I contacted you and wrote them another notice to advise them they were in violation of the FCRA the account was removed account number XXXX XXXX XXXX XXXX XXXX XXXX  

I am due to go into labor any day now and another collection company called IC Systems has placed the same account on my credit for XXXX XXXX XXXX account number XXXX they also have not contacted me or verified the debt- they just placed it on my credit. Keep in mind it was just 45 days ago that the account from XXXX XXXX XXXX in this regard. 

I have also filed a complaint with the bbb and the ftc

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