vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
This account is not my mine. I highly believe this account is associated with my stepmother whom is now deceased. I have disputed the account multiple times but no avail or assistance from the bureaus. PLEASE assist in having this account removed from my credit credit report. I also had another account from this same company that I highly believe was associated with my deceased step mother as well but that account was removed from credit file. Now, I just need this one to be removed as well. 

AFNI, INC Date- XX/XX/2020- I DID NOT OPEN AN ACCOUNT WITH COMPANY IN THAT YEAR Account Type- Collection Department/Agency Amount- {$520.00} Disputed- XX/XX/2020, Results on XX/XX/2020- Updated Disputed- XX/XX/2020, Results on XX/XX/2020- Updated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: CA

Complaint narrative:
I uploaded a letter to XXXX, Equifax and XXXX  and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, Equifax or XXXX does not have any files to verify these accounts, nor will they delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: CA

Complaint narrative:
I uploaded a letter to Experian, XXXX and XXXX  and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. Experian, XXXX  or XXXX  does not have any files to verify these accounts, nor will they delete 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 2020-11-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I disputed with the XXXX  and with the creditors the referred accounts, and requested proof of consumer contract and proof of payment history as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Capital One Bank NA responded to my request that they were not able to send proof. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' I have disputed these accounts with XXXX  and they always respond that the creditors " VERIFIED '' the account. I HAVE NEVER ASKED FOR VERIFICATIONS, I HAVE DEMANDED PROOF OF ACCOUNT AND OF THE LATE PAYMENTS. NO PROOF IS EVER PRESENTED. 

THEY ALWAYS RESPOND TO MY DISPUTES WITH " ACCOUNT WAS VERIFIED. '' I DEMAND TO SEE PROOF!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2020, I discovered that my employer had over contributed to my XXXX account. 
The consumer interface on XXXX  XXXX  's website alerts a user to the fact of over-contribution but does not provide any means for requesting a distribution of excess funds. 

On XX/XX/2020 I sent an email from an icloud account to XXXX, which is listed on the XXXX website as a method for contacting the Bank, requesting simply " what form do I use for an excess contribution? '' I received no response. 

On XX/XX/2020, I sent a follow up email from the email account associated with my XXXX XXXX  account, again requesting, " what form do I use to request for a taxable distribution? '' I again received no response. 

On or about XX/XX/2020, I called XXXX  XXXX  's customer service helpline and requested the form for a taxable distribution of excess funds. In response, XXXX  XXXX  emailed me the form for distribution for eligible expenses -- the wrong form. 

On or about XX/XX/2020, I found a form entitled " taxable distribution request '' on XXXX  XXXX  's website using XXXX, filled it out for the two tax years I needed taxable distributions, and emailed it to " XXXX. '' I received a confirmation email indicating that XXXX  XXXX  would process it. 

On or about XX/XX/2020, I received two letters from XXXX  XXXX  enclosing my rejected excess distribution forms and a letter indicating that the form had been revised and I would need to resubmit the request for taxable distributions using the new forms. The letters contained envelopes. I filled out the new forms and mailed them to the addresses on the letter from XXXX in XXXX. 

As of today, XX/XX/2020, XXXX  XXXX  has not processed those taxable distribution forms nor sent any response regarding the requests for taxable distributions. 

XXXX XXXX  has failed to allow me, a consumer, to withdraw more than {$3000.00} of deposits for over a month, and does not provide any mechanism on its website, mail, or customer service line to withdraw those deposits. I am recounting these facts to the OCC and CFPB in the hope that they cause XXXX  XXXX to change its business practices to allow consumers to withdraw excess contributions, which can subject their depositors to IRS tax penalties if not withdrawn by the end of the tax year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I uploaded a letter to XXXX, XXXX  and Transunion and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, XXXX  or Transunion does not have any files to verify these accounts, nor will they delete 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 2020-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
I traded in my car and purchased a new car a week before all of the lockdowns started in XXXX. I was current on my other car loan prior to trading it in and was not late on any payments. I have been having issues paying my loan which is substantially bigger than my prior loan due to the pandemic. They deferred my loan 3 months but am now behind almost on 2. The loan is with Ford credit. They had a promotional a week after I bought my vehicle to defer financing for 6 months due to the pandemic but would not grant me this reprieve. I have been struggling ti find steady employment since XXXX due to the virus and am not risking losing my car. I tried to return the car once the pandemic hit abs get my other one back but they would not let me. They have also denied requests ti decrease my monthly payments fir the time being or grant me any months off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I've seen no changes for the accounts that I have filed last month, I still see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On Sunday XX/XX/XXXX I tried to deposit a Check from the United States Treasury Department for XXXX cents. I had to call USAA to get them to increase my deposit amount to allow me to deposit the check via mobile phone. They increased my balance to XXXX, and the mobile app would not accept my check due to the XXXX cents. I then called back and spent another hour on the phone just to find out they couldnt increase the limit for a 12 hour period, and I was asked to try later in the evening ( XXXX ) or first thing in the morning. I again called back on XX/XX/XXXX and was now told they could not increase my deposit amount or allowance above XXXX. So they denied my deposit of XXXX cents due to the extra XXXX cents. They then asked me to mail in the check, and told me it would take at least 30 days to get the money in the account. What good is a bank if they are worried about XXXX cents. Furthermore, they work directly with the Department of Treasury on regulations, it should not be this hard to deposit checks from the United states government. I currently make more a month then the payment from the IRS. This company needs to be fined due to their activity, and for not accepting a check from the United States Treasury. Prior to this event, and before setting up this checking account I called USAA to ensure they could handle large amounts of money and I was told I would have no issues, which clearly isnt the case. This company has cost me time and money, as I now have to switch back to a bank that can accept a XXXX cent deposit. Furthermore, I would say this bank discriminated against me, as they allow other customers to deposit larger amounts of money then my small check. They need to be fined for that also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
I moved out of my home on XX/XX/XXXX. I had given my apartment lease a 60 day notice in wroting on XX/XX/XXXX and paid a {$2500.00} cancelation fee since I had to break my lease early. I had continued to pay my rent and utilities as well as my pet deposit for XXXX, XXXX, and XXXX. I was told there would be a walk through inspection with me 30 days prior to me vacating in an attempt to correct any issues so I wouldn't be charged. That walk through never occurred. I received an email on XX/XX/XXXX saying that I owed an a surf amount of over {$2300.00} dollars. I immediately called and emailed to have someone explain the letter but to no avail, it was never done. On the letter it stated I had 21 days to pay the amount and I could do so through the portal I paid my rent through. That portal was not available to me anymore. I emailed and called multiple times from XXXX until I reached out to an attorney on XXXX. They sent my account to collections on XXXX XXXX I received a phone call and letter from collection agency on XX/XX/XXXX. Which I disputed. I did not hear or receive any more notifications or calls from either the apartment or the collection agency. I then received a call on XX/XX/XXXX from the collection agency once again stating they were trying to collect a debt. I told them I had already disputed this in XXXX and that I did not owe that debt. They thought someone had sent out some new letter stating that dispute was resolved. I never received any notifications. The apartment complex did not have a corporate phone number but they did have an email that I also wrote too but never received a response from.either. 
All I was sent was a piece of paper that had charges on it that were not correct and it didn't itemize what was being charged and why in detail. The collection agency failed to respond within 45 days of my dispute as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I submitted a dispute with Experian in regards to an account showing up as derogatory for XXXX XXXX XXXX. This account was paid in full and XXXX XXXX provided me with a receipt that shows the amount is paid in full. I resubmitted a dispute with Experian and Experian requested to documentation to reopen the dispute. I in XXXX provided the proof/receipt of payment to Experian for them to reopen the case and correct the information. The account dispute was never reopened event though I provided the receipt that XXXX XXXX gave me showing that the account is paid in full. I submitted another one today but it looks like Experian isnt reopening investigations or reviewing the documents provided to make the necessary corrections. This is impacting me at the moment as I am trying to get a mortgage.

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 2020-11-23 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: NC

Complaint narrative:
I uploaded a letter to XXXX, Equifax and XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, Equifax or XXXX  does not have any files to verify these accounts, nor will they delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: NC

Complaint narrative:
I uploaded a letter to Experian, XX/XX/XXXX and XX/XX/XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. Experian, XX/XX/XXXX or XX/XX/XXXX does not have any files to verify these accounts, nor will they delete 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 2020-11-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I have a big issue with how my Ally account is being reported. The vehicle was totaled in early XX/XX/2020. At the time of the accident, I was current on my lease payments. My insurance company needed a " Letter of Guarantee '' from Ally in order to pay the claim in full. I expect they required such a letter to ensure they pay the correct amount to finalize my lease. On XX/XX/2020 Ally did do a Letter of Guarantee ( see attachment ). This letter instructed XXXX insurance to pay an amount of {$27000.00}. On XX/XX/2020, XXXX promptly paid Ally the {$27000.00} that was needed to finalize this lease ( see attachment ). Attachment 2 also shows that the {$27000.00} check status is " Cleared ''. But Ally held the payment for 15 days. My Ally Financial XXXX was paid exactly what Ally said was due in XX/XX/2020 and I should not have any balance, past due nor any derogatory credit payments or remarks such as charge-off on or after my XX/XX/2020 accident. Look at the attachments and it should be very clear that I own Ally NOTHING.

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 2020-11-23 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: NJ

Complaint narrative:
Hello On XX/XX/2020 i applied to the workers XX/XX/XXXX XXXX XXXX XXXX to consolidated some of my credit cards. XXXX granted me the loan and send the checks via US Mail. On XX/XX/XXXX I went to the post office in XXXX XX/XX/XXXX and send the check to American Express to this address : American express XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I let a few days pass and I went to check online if American express had received the payment {$1300.00} and I see that nothing had been credited to my account. I called American express and they told me that they have no received the payment, I called XXXX and they told me that American express cash the check on XX/XX/XXXX and XXXX send me via email a copy of the check. 
I contacted American express and send a copy of the check via email through my account and they open a dispute. 
American express never send to me a letter explaining about what they found or what the conclusion was. 
American express only put online that I owe the same amount of money and that I have to pay {$110.00} by XX/XX/XXXX. 
XX/XX/XXXX between XXXX to XXXX I called American express and the representative ( XXXX ) told me that they never received the check and that I owe the amount of {$1300.00} I need Help Please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: TX

Complaint narrative:
2 months ago 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 im being taken advantage of and being ignored of mh Disputes Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from mh 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 have caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2020 Capital One generated a charge on my account without my authorization. For the amount {$95.00} Capital One member fee. This account is currently Restricted, therefore we have requested to closed the account and reversed any on unauthorized chargers. 
As my last conversation with Capital One, the manager wont reversed or closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Business and Consumer Solutions.
State: NJ

Complaint narrative:
I contacted FBCS back in XX/XX/XXXX certified mail regarding the company illegally pulling my credit since XX/XX/XXXX. However, the company never responded. However, after I notified FBCS certified mail with a dispute letter regarding them pulling my credit without my consent, authorization, or awareness. No response. FBCS, failed to respond, instead they waited several months later to add an account to my credit reports, while failing to respond to my dispute letter sent back in XX/XX/XXXX in regards to the unauthorized inquiries. When I initially contacted the company certified mail regarding them pulling my credit, there were no accounts that were listed by FBCS or had been added to my credit reports. However, after they signed & received my dispute letter that wanted to know why they had been pulling my credit, the company ignored the dispute letter ( s ), waited several months, and just added an account onto all 3 credit reports. I had to learn about their deceitful actions by accessing my credit reports. When I contacted the credit bureaus, the company then continued to update and falsely verify the account as belonging to me, yet the collection agency never contacted me prior to falsely adding an account to my credit or after. I learned about FBCS illegal credit pulls by obtaining a copy of my credit reports. However, no contact of any sort was ever done by FBCS. On XXXX XXXX, FBCS signed and received another dispute letter sent certified mail. This letter outlined all of the illegal violations FBCS conducted back in XX/XX/XXXX, and highlighted how they failed to respond back to my certified dispute sent to them back in XX/XX/XXXX. The letter also explained the violations and how they continue to do them. However, after FBCS signed and received a recent dispute letter on XXXX XXXX, again no response or reply was ever provided from the company. The XXXX tracking # XXXX XXXX XXXX XXXX XXXX was signed and received by FBCS on XX/XX/XXXX.

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