vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-04 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: OH

Complaint narrative:
On XX/XX/XXXX I purchased a ticket with XXXX XXXX using my Capital One credit card for {$160.00}. The flight was XXXX going from XXXX, XXXX to XXXX, XX/XX/XXXX. A few weeks later XXXX XXXX canceled my flight with no reason given. I tried contacting XXXX XXXX via phone and they only speak XXXX. I tried messaging them on XXXX using a translator app so that my message would be in XXXX and I never received a response from XXXX XXXX. A few days later I disputed the transaction with Capital One because I never received the service I paid for nor have I received a refund. I demand a refund. Capital One has ruled the case against me several times saying that the ticket isn't refundable due to the airlines policy. At first the airline said I canceled the ticket when I did not. They lied. Then they changed their story and admitted they canceled the flight but they gave me future travel credit a.k.a " certificate '' which I never received. I've been very clear about all of this with Capital One and they still said I won't receive a refund. I've referred Capital One to the mandate the Department of Transportation ( DOT ) of the US government stating that anyone who has their flight canceled due to the airline canceling it has the right to a refund in all circumstances. Capital One says that DOT is a 3rd party and their law doesn't apply to my transaction. I bought the ticket in the U.S. using a U.S. banks credit card and it's for a flight to the U.S. How does the U.S. gov't law not apply? I'm very unhappy on how Capital One and XXXX XXXX has handled the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-04 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: Receivables Performance Management, LLC
State: OH

Complaint narrative:
The following accounts listed below are fraudulent accounts and doesn't belong to me. 
They are in violation of FDCPA 805/806/809 and the accounts need to be deleted from my credit report : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX RECEIVABLES PERFORMANCE # XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
The following accounts listed below are fraudulent accounts and doesn't belong to me. 
They are in violation of FDCPA 805/806/809 and the accounts need to be deleted from my credit report : XXXX XXXX XXXX # XXXX ONLINE INFORMATION SERVICES # XXXX XX/XX/XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Good Day, My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

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 2020-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Fleet Financial, Inc.
State: RI

Complaint narrative:
XXXX XXXX called from phone number XXXX XXXX XXXX XXXX from iLending got all my personal info including date of birth and social security number then disappeared

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: PA

Complaint narrative:
Per my credit report Phoenix collection has placed the same charge on my credit report twice. Which is double charging me for the exact same debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After filing a claim with Bank of America for my stolen EDD card, I was issued a temporary credit to the account and then it was made permanent when they finished their investigation. Then when the CA EDD did a fraud overhaul they closed my account pending and identity verification, which was successful and the account was reopened. Despite the fact that the EDD verified my account, Bank of America retroactively reversed the " permanent '' credit and it has left me with a negative balance for over a month and the inability to pay my bills. The banks claims department- which is impossible to get through to- told me to send them a letter or fax convincing them that the fraud was real, even though they completed their investigation and came to that conclusion themselves already. 

They are not following the timelines as stated in the fraud liability protections and therefore have illegally taken almost {$10000.00} from me with no timeframe or defined course of action to take or that is in place to resolve the issue.

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 2020-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$8500.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$560.00} XXXX APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.

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 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$8500.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$560.00} XXXX APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Good Day, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

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 2020-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to TransUnion to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been over 60 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2020-11-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.

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 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
on XX/XX/2020 i found out that i was a victim of identity theft. i added a fraud alert to my file and sent XXXX, Experian and XXXX  regarding my concerns and to delete all the negative accounts and inquiries that were the results of identity theft. i have sent them more supporting documents to support my request. please see attached FTC  complaint attached to my file. That have all the inquiries and negative accounts listed

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 2020-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In XXXX I submitted a complaint against the company for still reporting and attempting to collect in this Debt for acct # XXXX. I asked they remove the account from my credit report based the MultiState Settlement Agreement that was finalized in XXXX. The State of Florida was awarded XXXX for unfair lending practices. I contacted Santander 3 times in XXXX and was referred to the Special Accounts department. Per a woman named XXXX. She was not aware of this Settlement. On the Settlement agreement website it list XXXX XXXX as the administrator. I contacted XXXX XXXX and was advised to wait for a postcard if I was to be included in the settlement. Santander was lending based on an Internal scoring according to the lawsuit. If I was a recipient then I would receive a postcard. I have received my postcard stating that I will be awarded restitution. I called Santander as advised once I received my letter or postcard and the special department would request that the trade line be removed from all of my credit reports. I have been wronged by Santander Consumer USA for far too long. Please do your part and remove these negative entries from my credit report forthwith! I have suffered enough from your unlawful handling of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper took over my mortgage from Seterus Inc., who applied an escrow payment of {$740.00} to unpaid principal balance. Mr. Cooper took the following actions : {$680.00} of the {$740.00} was reversed and reapplied to the escrow account with an effective date of XXXX, the additional {$61.00} was applied to a late fee by Seterus Inc. I had previously filed for bankruptcy protection which was discharged before the above action was taken. In fact Seterus ' note on a statement specifically indicated the {$61.00} late fee was discharged due to the bankruptcy. Before Seterus sold and transferred the company, they took the {$61.00} late fee and never returned or credited the account, thus, illegally keeping the funds in a sense stealing from my account. I contacted the new servicer, Mr. Cooper, who claims there is nothing they can do. My mortgage was serviced by Seterus and they stole the funds before turning over the account. I have provided all supporting documents to Mr. Cooper via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
On XX/XX/2015 I was ecstatic to be getting my first car. I had doubts because my credit score was awful, but I figured my {$1300.00} down and {$1000.00} trade it would get me what I wanted. It didn't. I wasnt approved. The company told me that adding my mom as a Co signer, even though she was XXXX and getting a small monthly check might help. We tried adding her and it worked, but the rate was awful {$330.00} a month, but they pretty much intimidated me and took advantage. They knew I wanted and needed a car. Recently the car company Santander has been in a class action lawsuit. They have settled for {$550.00} million dollars, yet they want to pay us victims {$240.00}. I have not gotten a notice yet, but I have too be in this lawsuit settle. I was affected. I still owe more on the car a before. I have no relief options. I have been forced to extend the loan so my car would not be repossed many times because thats all I was offered. Its not fair and Santander needs to pay and more that $ 200+ dollars to me, to anyone that bought a car from them and have been struggling for long as I have

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
On XXXX XXXX, 2020, I wire transferred an amount of XXXX USD from XXXX to transferwise.com. But on XXXX XXXX, 2020, it refused the transfer and started refunding. 
Until now, I have not received the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MT

Complaint narrative:
I opened the XXXX 's account XXXX, the credit limit was {$1100.00}. On XXXX the account was closed due to the fact that XXXX 's closed. I had around {$900.00} on the card, since then I have paid atleast the minimum due and my payment continues to go up. I called to resolve this they said there was nothing they could do. How can your balance owed continues to go up when the account is closed and the card can't be used? The balance on the card is now {$1300.00}. I have never been late on a payment. I feel I should not owe what they have charged to my card once the card was closed and payments were being made. Thank you for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Comerica
State: WA

Complaint narrative:
Hi comerica bank falsely charging my account sum of XXXX. XXXX Which I called them to talk to close my account due to relocating to another state but they end charging me for return check i didnt know anything about

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
( XXXX ) XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.

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 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
( XXXX ) XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
on XX/XX/2020 i found out that i was a victim of identity theft. i added a fraud alert to my file and sent XXXX, XXXX  and Transunion regarding my concerns and to delete all the negative accounts and inquiries that were the results of identity theft. i have sent them more supporting documents to support my request. please see attached FTC complaint attached to my file. That have all the inquiries and negative accounts listed

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 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
on XX/XX/2020 i found out that i was a victim of identity theft. i added a fraud alert to my file and sent Equifax, XXXX  and XXXX  regarding my concerns and to delete all the negative accounts and inquiries that were the results of identity theft. i have sent them more supporting documents to support my request. please see attached FTC complaint attached to my file. That have all the inquiries and negative accounts listed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
Received phone call from Nordstrom credit services on XX/XX/2020, at XXXX ( pacific ) looking for my elderly mother. The phone number they called from is XXXX XXXX XXXX XXXX. This is not my debt. I have my own credit card and I am also an employee of this company. My credit card is PAID ON TIME. This is appalling they would attempt to use an employee to track down a family member. After everything we do for you?! Working during Covid without proper safety precautions or hazard pay?! You harass me to look for my mother? Im sure her attorney will reach out to you. This is not my problem.

Company response to consumer: Closed with non-monetary relief