vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-10 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: MD

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Uplift, Inc
State: TX

Complaint narrative:
In XX/XX/XXXX I planned a trip to Hawaii for XX/XX/XXXX using Uplift Inc. I paid off my vacation in XX/XX/XXXX. In XX/XX/XXXX - Covid XXXX pandemic happened. Hawaii shut down. I cancelled my trip on XX/XX/XXXX. I was told I would get a refund in 90 days. As of XX/XX/XXXX I have yet to receive my refund. I spoke with my bank and informed them that it had been 90 days and I had not received my refund. The bank said this was unacceptable and returned my money and notified Uplift. Uplift has now turned me into a collection agency who is after me hurting my perfect credit score. I always pay my bills.. I am NEVER late. They are wanting me to pay for a trip that I never received and Hawaii is still closed. I want them to take off the bad remarks on my credit score. I DID pay them ... I paid them in FULL XX/XX/XXXX. When the pandemic happened - I cancelled and waited 90 days for my refund of {$4300.00}. I do not want to be called by collection agencies for money that they say I owe for a trip that I never got to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-10 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: NJ

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-10 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: AFNI INC.
State: GA

Complaint narrative:
XX/XX/2020. This account was settled and closed. It was negotiated and promised from the collection agency that upon payment acceptance the debt would be totally removed from all 3 credit bureaus. It was only removed from XXXX  and not XXXX  or XXXX. I expect the collection agency to uphold their agreement and remove the listed debt from reporting. As well as the information that is being reported to XXXX and XXXX  is reported incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have been a reasonable, valuable, long-time CapitalOne ( multiple ) cardmember for many years. CapitalOne is now charging excessive past due fees and annual membership fees. I called today to request removal of a {$37.00} past due fee ( I missed the payment Sunday ) for the minimum payment due of {$37.00} on my card ending in XXXX. I made a double payment ( {$74.00} ) a couple of days later. 

Despite the ongoing COVID-19 pandemic, which has resulted in my being out of work since XXXX, I have tried to keep my card payments current. CapitalOne boldly and visibly claims to offer " relief '', but here I've asked for some small measure, and been denied. The truth is that their available " relief '' does not stop finance charges, and will eventually result in a card being over limit anyway, further damaging one 's credit score. 

Further, I also requested that the {$59.00} annual fee be waived ; that is an excessive fee for a card with such a low credit limit. 

I was initially connected to an overseas call center ( which is another problem - USA-based customer should never be sent to overseas call centers!! ), then requested a " Tier 2 '' supervisor. He told me that fee credits now are all " system generated '' ; i.e., supervisors no longer have any discretion. That is a convenient excuse to resolve them of any possible responsibility to assist their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I attempted to use a balance transfer from HSBC using my Master credit card ending in XXXXI had a XXXX balance and transferred {$5000.00}. As I was hitting the prompts the process informed me that is was completed. There was NO disclosure of interest or length of time for the balance transfer. I immediately call HSBC and cancelled the transfer. The Customer service rep. cancelled it telling me it woulkd take two weeks but THE AMOUNT OF THE TRANSFER WOULD NOT APPEAR IN MY ACCOUNT AS A DEBT.. This morning that account shows a debt of {$5200.00}.

I called and spoke to several customer service reps. Conclusion : I must carry that debt on my credit for two weeks. If they can charge my acciount within 24 hours why does it take two weeks to reverse it? I am very angry with them for having an online process without any disclosures. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX XXXX cell. 
XXXX Land

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Auto finance was informed of my late payment in XX/XX/2020 due to COVID 19 and I sent in documents twice explaining my job loss and difficulty paying on time due to COVID for 1 month. I paid off my loan amount and they promised to remove the 30 day late payment. It's been 3 months and Ive constantly asked them to remove it after they promised to remove it. 

Its on my XXXX  report and it's hurting my scores detrimentally. I would really like some assistant with getting a response out of them on why it hasn't been removed yet. It's not reporting on my XXXX  or XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10 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/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account was paid in full. XXXX XXXX showing charge off, which is incorrect. High Balance also incorrect. This was a company card and I am not responsible for the debt. 

I did not personally guarantee this company credit card. I am formally requesting under Section 609 of the Fair Credit Reporting Act, that XXXX XXXX provide me the original contract with written authorization/signature authorizing this account. 
If XXXX XXXX is unable to verify this account with the original contract and signature, this account should be removed from my credit report within 30 days.

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 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XX/XX/2020 I attempted to unfreeze my credit at Equifax. 

I learned that they implemented a new system and never bothered to notify those who signed up under the old system that there was a change. 

I filed a complaint # XXXX which details some of my troubles. 
The response I got from this company was to submit my information yet again, which would be the 8th time. But I did it anyway. I included a copy of my drivers license as well as the other information requested, including a copy of a W2. 
I heard nothing back from the company, and this complaint was marked complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: TX

Complaint narrative:
I charged XXXX on a purchase, it was done in 3 transactions. After making the transaction I paid the balance on my credit card. the merchant refunded my purchase as we did not go through with the purchase, this called a negative balance on my credit card. I have had to call Capital one more than once to try and get this money refunded to me. I called on the XXXX and had to call again on the XXXX to get them to refund my money. The " said '' they would refund my money but it would take almost 2 weeks to receive it back. They refuse to get it done any sooner as this was their mistake it was not done on the first phone call. 

this is the 2nd time in a year I have had issues with capital one getting credits on my account. 

I want my XXXX returned to me asap

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX was informed of my late payment in XX/XX/2020 due to COVID 19 and I sent in documents twice explaining my job loss and difficulty paying on time due to COVID for 1 month. I paid off my loan amount and they promised to remove the 30 day late payment. It's been 3 months and Ive constantly asked them to remove it after they promised to remove it. 

Its on my Experian report and it's hurting my scores detrimentally. I would really like some assistant with getting a response out of them on why it hasn't been removed yet. It's not reporting on my XXXX or 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 2020-09-10 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: MD

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-10 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: NJ

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/20 I made an ATM Deposit because the Branch was closed due to Covid-19 located in XXXX XXXX, California. I deposited {$2000.00} in XXXX dollar bills. The ATM recorded a {$1500.00} deposit, returned {$200.00} Cash and Kept {$300.00}. I immediately contacted customer service and filed a claim. The customer service rep stated it would take approximately 15 working days to investigate the claim. 

After 15 days I contacted the Wells Fargo Claims Department and I asked when it would be resolved. They stated it would take around 45 days to complete the investigation. Which is not was I informed initially. 

On XX/XX/20 I received a letter that they completed their investigation and they state the deposit for {$1500.00} was correct. 

On XX/XX/20 I called the Wells Fargo ATM Claims Dept. at XXXX to dispute their decision and to request copies of the documents used in making their decision. This was around XXXX XXXX. I was on hold for 1 hr and then was disconnected. 

On XX/XX/20 I called Wells Fargo Customer Service and asked to be connected to the Executive Office. I was connected to a Customer Service Agent at the Executive Office and she took my information and attempted to contact an ATM Claims Banker. She placed me on hold for 5 minutes and asked if I wanted to continue to hold. I stated yes and she left me on hold for 1 hour and 15 min. and never returned to speak with me. So I hung up. 

On XX/XX/20 I then called the XXXX XXXX Branch where I made my deposit and asked for a Branch Manager. The Branch Manager was out for the day and XXXX XXXX, Service Manager said she would expedite my claim with the Executive Office. 

On XX/XX/20 I received a call from XXXX with the Executive Office at XXXX XXXX and he stated that I would have to reopen the claim with the ATM Claims Dept. and ask them to re-investigate. He tried to contact the ATM Claims Dept. for 15 minutes and could not get through and directed me to call them again in the morning. 

In summary I've spent at least over 2 and a half hours with Wells Fargo trying to resolve this issue to no avail. 

I submitted a fax to the ATM Claims Dept. requesting the supporting documents.

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 2020-09-10 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: VA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-10 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: VA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-10 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/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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