vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: MI

Complaint narrative:
I authorized a wire transfer of {$2200.00} USD on XX/XX/XXXX @ XXXXXXXX XXXX using the Xoom service. The recipient gave me the wrong bank account information and I needed to cancel the transfer. I have been trying to contact Xoom customer service since XX/XX/XXXX @ XXXXXXXX XXXX. Customer service does not answer their phone. The same message has been playing for over 62 hours : " There is no one available to take your call. Please call back later. '' I have sent emails through their email system and receive generic responses, such as : - " We're so sorry to hear that you're experiencing an issue with Xoom. We're not seeing any problems right now, and we'd like to speak with you further to get more information about what you're experiencing. Would you please contact us? We look forward to resolving this! '' - " our partner has advised us that your beneficiary still needs to complete the required registration with XXXXXXXX XXXX to receive transaction. '' I have asked for one of their customer service representatives to call me back at their convenience to explain what is happening, but no contact has been made. I am trying to understand what is happening with my transaction, and I can't get an intelligent explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-08 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: PA

Complaint narrative:
I have spent hours on the phones trying to resolve this issue. I called week after week to clear my reports my name is XXXX XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the chargers nor open any of these accounts. I ask that the items be deleted to correct my credit report I have to find new housing as soon as possible. I need this issue cleared I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I am contacting you to dispute a collection account recently placed on my credit report by National Credit Adjusters in the amount of {$1800.00}. This account should not have been placed on my report by National Credit Adjusters because a settlement agreement was reached with NCA, and they agreed that they would cease and desist with all further collection activities. They have violated this settlement agreement by attempting to collect this debt and I would like this account to be removed from my credit report. 

Also, this collection account just " appeared '' on my credit reports without any notification from NCA or XXXX XXXX, and I was given no opportunity to dispute this account prior to it being put on my credit reports. Also, this debt was reported to each credit bureau by NCA 3 different times in a 5-week period. I have included the settlement document with this correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I applied for a refinance at the end of XXXX where I was quoted 2.0 %. I accepted that and had several disclosures with the amount of 2.0 %. Several weeks went by and I did not hear from them at all. After emailing several times Jump to mid XXXX and it went up to 2.25 % when I asked why the jump, the lender told me he didnt know why and that it shouldnt have happened. He was going to get it changed with his manager. Weeks pass and Im emailing several times a week to see what is happening. This past Friday I get an email from the lender stating that he is still waiting for management and that we should be able to close this week. Today, Sunday XX/XX/XXXX, I get a phone call from the lender stating that they wont be able to get me that percentage rate, not even the 2.25 % and that they will probably have to add more points to the loan then already mentioned before. The lender was apologetic and said that he was sorry because he had to call a lot of people today to tell them the same thing and that management was telling him what to say. He also stated that he had no control and was out of his hands. I have tried to reach out to management, but no answer. I missed other opportunities with other lenders because Amerisave stated they will give me 2.0 %. Now I cant refinance because rates are back up.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I didn't authorize these inquiries and i have reached out to these creditors and still havent removed the items

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 2021-03-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I didn't authorize these inquiries and i have reached out to these creditors and still havent removed the items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I received several notices from Citi bank that the issued was resolved but the amount is still in effect on my credit card. To avoid damages to my credit rating I was forced to pay on this card. I have documentation from the card holder that this debt was cancelled. But it has not been deleted. I made the claim on XX/XX/2021, the amount was for {$60.00} ( I was told ). I sent all the documentation to the company as requested. I received from the company the debt was cleared. That information was false, now what? So in affect I have been defrauded twice.

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 2021-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
CFPB are you on the consumer side or the big bank side I am writing about the Santanderr Usa response how long is this staying on my credit when XXXX isn't on my credit report it's been add 2017 what another 4 more years, so iam the only in America that has a repo on there credit report so is this a life situation. I thought after 7 years it will be off so I got to go thru another 3 years starting from 2017? That is bull ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
TOYOTA MOTOR CREDIT XX/XX/2020 {$1200.00} I sent so many letters to the creditor starting before they send the account to credit. requesting information that my Gap insurance was cancel before my car was stolen, the creditor never sent it. 
i also request the credit bureau to verify that the gap was canceled also because Toyota didn't want to pay it. at this point, I see my right was violated by the creditor and the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: PA

Complaint narrative:
This complaint is in reference to CFPB XXXX and failure by Equifax to follow FDCPA : The underlying issue is that no validation of the debt is provided and Equifax is in violation of FDCPA as furnisher has not provide any information since request in XX/XX/2020 ( OVER SEVEN MONTHS ) Error was detected on my credit report and filed an investigation into the matter utilizing Equifaxs online dispute portal Equifax 's Report # XXXX Written dispute sent directly with the company ( XXXX ) that filed the incorrect information and company has failed to response as of the date of this compliant ( OVER SEVEN MONTHS ) Despite no response from the company, Equifax verified the information Equifax has a duty to validate information, not pass the burden to the consumer. 

This consumer financial protection bureau recently levied a {$500000.00} penalty for this company for violations of the FDCPA. 

Similar to the previous civil ligation, I have received zero correspondents from XXXX. 

Company directly submitted information to credit bureaus without notification or validation and Equifax continues to furnish and sell incorrect information which has caused denials in credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: PA

Complaint narrative:
This complaint is in reference to XXXX and as of the date of this complaint I have received zero proof from the results of our investigation. This actions of Transunion has resulted in denial of credit and violate FDCPA Recap : Error was detected on my credit report and filed an investigation into the matter utilizing Transunions online dispute portal Transunion dispute submitted on XX/XX/2020 Written dispute sent directly with the company ( XXXX ) that filed the incorrect information and company has failed to response as of the date of this compliant ( Sent Several Months Ago ). 
Despite no response from the company, Transunion verified the information Transunion has a duty to validate information, not pass the burden to the consumer This consumer financial protection bureau recently levied a {$500000.00} penalty for this company for violations of the FDCPA Similar to the previous civil ligation, I have received zero correspondents from XXXX. 
Company directly submitted information to credit bureaus without notification or validation and Transunion continues to furnish and sell incorrect information which has caused negative impacts

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 2021-03-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: PA

Complaint narrative:
I have sent three letters to the bureaus requesting that they update the status on my accounts. I sent letters on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX and it has been over 3 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be updated to no payment required immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder. Please review my letters and update my accounts

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 2021-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Acquired a car loan in XX/XX/XXXX. Due to covid and loss of wages, i was unable to keep up with car payments. Was approved for covid relief until XX/XX/XXXX. After that date I never again received a payment statement in the mail. I called many times to request a payment invoice and never received one. On XX/XX/XXXX I contacted TDAuto Finance to again request in writing, the amount owed in missed payments. The customer service rep I spoke with said he would mail out statement containing information on what I owed for missed payments. I informed the customer service rep that I was ready to catch up on payments and just needed total amount in a statement. I never received that statement. On XX/XX/XXXX my car was repossessed, with the cremated remains of a loved one inside, while I was running errands. I came out of a store and found my car gone. Leaving me stranded. I had to taxi home for {$37.00}. I contacted TD Auto Finance and they said I had to pay off entire balance to get car back. I had not received any written notice or phone call stating my car was in repossession status. According to Florida law 537.012 section 2 which states before the lender engages a repossession agent, they must afford the debtor an opportunity to obtain their personal property. I was never afforded that opportunity. After contacting TD Auto Finance on XX/XX/XXXX and informing them I vwas ready to catch up on missed payments, I dont understand why at that point they would repossess my car as i was making an effort to pay entire balance of missed payments. I am a senior citizen now stuck at my home with only a taxi for transportation, which is very expensive for me due to location of my home

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax has been reporting negatively on my Social Security Number which is defined by congress as my credit card. Equifax is in fact furnishing negative information on my consumer report without being engaged in contract, without permissible purpose. 

On XX/XX/21 I mailed Equifax an Affidavit of truth and Cease and Desist, and Invoice letting them know to cease illegal activities. They are in fact violating 15 USC 1681 b ( 2 ), they have been reporting without my consent and reporting negatively on my reputation on consumer credit transactions which should ne excluded form a consume report via 15 USC 1681a ( B ). Equifax then responded on XX/XX/21 letting me know that they have in fact completed a reinvestigation which was no what I asked for under my corresponding Affidavit of truth and Cease and Desist. 

15 USC 1681a ( e ) - " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer are obtained through personal interviews with neighbors, friends, or associates of the consumer reported on. 

Equifax has not only ignored my correspondences to them about reporting negatively on my reputation and my identity theft inquiry. But have no properly investigated the information according to FRCA. 

On XX/XX/21 I sent Equifax another Affidavit of truth, Cease and Desist, a Default and Opportunity to cure, and invoice for not answering responding to Affidavit line by line, ignoring my request and continuing to report negatively on my Consumer report which is defined as my credit worthiness, character, and reputation. Also informing them they are violating more of my Federally Protected Consumer Rights. It has almost been more than 30 days sense I've sent my response and have heard nothing. 

Equifax is a publishing company that gets paid for advertising on consumer credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened a Capital One 360 checking account with promotion code BONUS400. Per the terms of the order, if had to : open a 360 Checking account between XXXX XXXX. ET on XX/XX/XXXX, and XXXX XXXX. ET on XX/XX/XXXX and enter promotional codeBONUS400. Then, I had to receive at least 2 direct deposits totaling {$1000.00} or more to my 360 Checking account within 60 days of account opening. 
Then, I would receive my {$400.00} bonus to my checking account. 

I received two direct deposits of {$500.00} each on XX/XX/XXXX and XX/XX/XXXX, totaling {$1000.00}. So I completed the requirements nearly 3 months ago, but I still have not received my {$400.00} bonus. 
I called the company, and they said I did receive the direct deposits of {$1000.00}, but that I had not entered the code BONSU400 when creating my account. 
This is patently false. I did enter the code, and I have a screenshot to prove it. See attached screenshot that shows my name, account number, and promo code of bonus400. 
CapitalOne said they would create a case and look into and respond within 1 month. They could not give me a case number and there is not way for me to track my case. 
I need CapitalOne to pay me my {$400.00} immediately as I am legally owed per their own terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I received several notices from Citi bank that the issued was resolved but the amount is still in effect on my credit card. To avoid damages to my credit rating I was forced to pay on this card. I have documentation from the card holder that this debt was cancelled. But it has not been deleted. I made the claim on XXXX XXXX, 2021, the amount was for {$60.00} ( I was told ). I sent all the documentation to the company as requested. I received from the company the debt was cleared. That information was false, now what? So in affect I have been defrauded twice.

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 2021-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
0n XX/XX/2021 located at XXXX XXXX XXXX XXXX XXXX Il Chase ATM at XXXX tried to deposit {$1300.00} cash at Chase ATM , ATM eat my cash didnt go though the deposit and all no any cash can returning back outside of ATM, I noticed Chase bank XXXX and they gave me the case number, still waiting for their investigation result.

Company response to consumer: Closed with explanation