vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$610.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Owed : {$610.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Owed : {$1000.00} XXXX XXXX Balance Owed : {$3400.00} Date Opened : XX/XX/2021

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 2021-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I sent 3 transactions totaling XXXX to my broker through my bank. Had 2 of them recalled because I changed my mind but could not recall the third transaction which was for $ XXXX. 

I have all the documents from my bank and my chat with the broker rep. Im still out XXXX Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I booked a hotel reservation through American Express for XXXX XXXX XXXX. Unfortunately a family member has fallen ill and wont be able to make it so I went through the Amex website to cancel it. I didn't realize when I booked the hotel, that it was non-refundable. 

However when I went through the website to cancel it, it stated I would receive a refund. Only after I submitted the cancellation was I shown I would not receive a refund ( I have screenshots confirming this ). When I went back through the booking confirmation email, it states that *this hotel is non-refundable and can not be cancelled* ( I have screenshots confirming this as well ).

So why was i able to cancel this in the first place? Why would i cancel a hotel reservation that i already paid for in exchange for nothing?

When i called Amex travel, the agents were polite, but none of them were consistent in their answer, one agent reinstated my hotel, but then another one cancelled it when submitting a case that was just refuted this morning. So now i do not know where i stand, and honestly, i am over talking about it with travel agents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-17 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I sent in a debt validation letter on XXXX They sent me a verification letter With my medical records and a list of my procedures. Which I know is a direct violation of HIPPA regulations. I never signed a form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Netspend Corporation
State: MT

Complaint narrative:
Order # XXXX for $ XXXX policy is when the item ships they then take the money out of people 's bank accounts.Many times on many orders they told me it's just an " auth hold '' for the money but yet the money is ( debited ) gone from my account and I go check to see if the item is shipped and I am told the package has not has not been shipped yet and it takes several more days for the package to ship.I have asked many times for them to follow their own policy of removing the money only when the item ships, not " taking '' ( auth hold is still taking/debiting the money because lowers my balance ) the money.Because if it is only an " auth hold '' then they can not mark it as shipped or lower the balance of my bank account/debit card balance.Read XXXX  XXXX policy as well as checking the dates for removal/auth hold of my money and the shipping dates of the items for the proof of XXXX violating their own policies and paypal/netspend helping them do it due to lack of communication between eachother.I wanted to have this investigated immediately with my debit card company card paypal prepaid/netspend but they refused saying " This transaction is pending so we can't so anything until the transaction is completed '' delaying the reporting process.Either way it's up to paypal prepaid/netspend to verify if the package/items have been shipped before allowing funds to be held/removed from customers accounts.This is not the customer 's problem.This is between paypal prepaid/netspend and XXXX.They refuse to investigate and say that the dispute process is only for not receiving items or wrong amounts being charged on account.They don't care in the slightest about assisting companies in violating policy.They refuse to investigate.

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 2021-11-17 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: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
Santander consumer is reporting XXXX days late on my credit report and has dropped my credit report tremendously and I was in a XXXX and explained to them what was going on. The account has been paid off they been agreed to change the information and want and its hurting my life tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I am very upset with this issue. I sent a letter to the COLLECTIONS AGENCY regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself without any help from a Credit Repair Company and I am addressing the inaccuracies on my Credit Report. XXXX, XXXX, and XXXX are reporting inaccurate information on XXXX with the account number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
Southwest Credit Systems is reporting a fraudulent account on my credit. I didnt authorize anyone to open this account using my information. PLease see the attached FTC report and remove it from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that XXXX Credit Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau was reporting inaccurate information on JPMCB CARD SERVICES. Also, I tried contacting the XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
JPMCB CARD ***** Opened Date XX/XX/XXXX Balance {$510.00} JPMCB CARD ***** Opened Date XX/XX/XXXX Balance {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am very upset with this issue. I sent a letter to the CREDITORS regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: GA

Complaint narrative:
I have been trying to make additional payments towards the Principal of the loan, but after multiple contacts to the lender, they continue to apply these CLEARLY marked payments as monthly payments and reduct interest charges from them so the Full Amount of these Principal Payments Only are NOT applied to the balance of the loan.

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 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Credit Karma, LLC
State: UT

Complaint narrative:
On XX/XX/XXXX my card was declined for {$7300.00}. I didn't know at the time that the limit per day I could make was {$5000.00}. I called customer service and the fraud team to confirm & verify it was me and that I was purchasing a car from XXXX XXXX XXXX. That same day I tried lesser amounts for {$5000.00} & {$4000.00}. Both transactions got declined so I called customer service again and was told to to wait 24 hours to try these transactions again. I waited until 2 days later on XX/XX/XXXX to try again. I still got declined for {$5000.00} or {$4000.00} at XXXX XXXX XXXX. I talked with customer service and the fraud team again and said that the card should be working fine. I tried the same thing on XX/XX/XXXX and kept being declined again at XXXX XXXX XXXX. I was extremely frustrated bc this money was deposited into my account from my car insurance XXXX for my totaled car. I'm a single mom and need to buy a car for my independence to drive to work. I've been wasting my child support money that I've never touched before. I was saving it solely to give to my son when he's XXXX. But I've been depleting that money bc I have no choice. But I'm still car less & having to rely on a friend to take me to work or pay for XXXX. On XX/XX/XXXX is when I got paid out by my car insurance XXXX in the amount of {$6400.00} to purchase a car. The only reason I opened this Credit Karma account was because XXXX stated I'd get my tax refund quicker if I did. And on XX/XX/XXXX my refund was deposited into this account information the amount of {$3800.00}. I never had problems until the larger amount was deposited from my car insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I contacted Rocket Mortgage on XX/XX/21 about a cash out re-finance. I was told on the first call I was qualified for my re-finance after all of the requested documents were reviewed. They asked for a good faith deposit of {$500.00} on XX/XX/21. I voiced my concerns to the person on the phone that I have had trouble getting loans because I was self employed and that I did not want to pay anything out of pocket if I was not going to be approved. She assured me I was approved and we could move forward. I gave the good faith deposit of {$500.00} and also signed deposit agreement. They immediately sent a person to appraise my home on XX/XX/21. Then, after the appraisal was done they called me on XX/XX/21 and told me I did not qualify and they would not refund my money. The reason I did not qualify had nothing to do with my appraisal and everything to do with my lack of self employment income, which they could clearly see from the documents I provided. I was mislead and pressured to giving money when Rocket Mortgage had not done done their due diligence. I would have never paid to have my home appraised if I knew I could not qualify for the loan. I felt pressured to do everything quickly and I feel this is their way of getting money from people that they may not qualify for a loan. I have spoke to a few other lenders since XX/XX/21 and they honestly said that they would not waste my time and I would never get approved based on the numbers I gave Rocket Mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself without any help from a Credit Repair Company and I am addressing the inaccuracies on my Credit Report. The payment history of XXXXXXXX with account number XXXX is reported as late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have been struggling to repay this loan for some time and have also been trying to get the cosigner released for some time as well. Navient would not work with me to lower the monthly payments. Most recently I had a baby in XX/XX/XXXX and have not returned to full-time work yet. I finally, with help from my mother on the call, got Navient to lower the interest rate and provide me with a payment that is affordable. On XX/XX/XXXX we paid {$130.00} as requested in a letter they sent me. On XX/XX/XXXX the payment of {$140.00} cleared and on XX/XX/XXXX another {$140.00} cleared. The next payment is due to come out on {$140.00}. I am in complete compliance with the payments. However, just this week, both the co-signer and myself received correspondence from Navient indicating that the loan was delinquent and on the verge of default. The next day we received another letter indicating that the account was being transferred to the legal department for further collection as we have made no attempts to correct the problem. I believe that both of these letters are violations of the FDCPA and they are false, deceptive and misleading statements about the current status of my account. We called Navient upon receipt of these letters and were told that the letters are automatic and can not be stopped. This means that Navient is aware that letters with false information and letters containing threats that can not be legally taken are willfully being sent out to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Marlette Funding, LLC
State: GA

Complaint narrative:
On XX/XX/2021, I applied for a personal loan with best egg. I provided my personal information and was informed that I needed to submit a paystub. I asked to submit an offer letter instead of paystubs due to the fact that I was starting a new job. I was informed that the company can not except an offer letter and pay stubs must be provided.After submitting all of the requested information, my application was never reviewed, I was never contacted by the company to request additional information and my loan was ultimately denied. When I attempted to contact a supervisor at the company On XX/XX/2021, I Spoke with a representative named XXXX and was denied The opportunity to speak with a supervisor by XXXX. I was told that I would receive a callback from the company however I have not heard back from anyone. I was also informed by XXXX that my application was closed due to the fact that I never submitted an offer letter. When I informed XXXX that I previously spoke with a representative at the company and was informed that I can not submit an offer letter there was no attempt to remedy the situation. I would like to have this inquiry removed from my credit report due to receiving wrong information from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: AL

Complaint narrative:
Our home was damaged by XXXX XXXX. Our insurance money goes into escrow with Homepoint Financial. We have submitted photos of work completed and previously received reimbursement for work we have had to pay immediately to contractors. Now the mortgage company wants an inspection. We understand ; after making the request for inspection in late XXXX and speaking to many Homepoint agents including XXXX, XXXX, XXXX, XXXX, and XXXX. The initial request was not made or documented by Homepoint according to XXXX. Once made, we never got a confirmation for inspection. We need our funds because contractors must be paid and we have exhausted credit cards, pension funds, and our sons ' college funds trying to cover rebuilding costs because Homepoint will not address this issue to inspect and provide escrow funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on BANK OF AMERICA. Your remark says that this account falls under charge off, make sure to provide the reasons why there is a balance indicating on the statement. Per Fair Credit Billing Act, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
BANK OF AMERICA ***** Opened Date XX/XX/2015 Balance {$2100.00} BK OF AMER ***** Opened Date XX/XX/2015 Balance {$2100.00}

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 2021-11-17 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: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 is the inquiry that is still reporting on my account and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry : XX/XX/2021 2021

Company response to consumer: Closed with explanation