vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-21 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: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
Barclays will not stand behind us on travel services not delivered. They are using the excuse that the charge is over three months old. The problem is there was no problem until only a few weeks ago when the travel promotion company canceled our prepaid contract due to their interpretation of what they said broke the contract. They accused us of traveling with a party to their destination which would break the contract. However, we we were not traveling with a group. They used a change of flight plans due to the airlines that require a new arrival date and we requested to stay at the original resort. They first agreed to work with us but then abruptly canceled our reservation and kept our money with the excuse we were now traveling with a group. This is simply not true. We sent all documents to Barclays as requested. This is a scam, not only by the travel company in XXXX but by Barclays who promises to stand by deliverance of services. Since we paid well in advance of the reservation, they are using the lapse of time between when we prepaid and the promised delivery date. This is not right or ethical. How could we challenge within 3 months if the promised services were ten months away? If that is the case, their policy of standing behind deliverance of services should say explicitly they will not honor prepaid travel services if paid more than 3 months ago.

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 2021-08-21 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: Capital Accounts, LLC
State: SC

Complaint narrative:
This account has been placed illegally in my XXXX XXXX and XXXX  credit reports. This company does not even have valid proof that this was me that this account belongs to and can not provide my ssn at all. My id was stolen years ago and that is not even my address that they have on file. 

I will be consulting my consumer attorney because they are violating my rights according to the Fcra and FTC. This is also harassment and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Filed bankruptcy back in XXXX never gave written consent for personal information to be sold or reporting on my credit report. 

The federal law privacy act of XXXX XXXX My rights have been violated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/21 I again contacted to resolve issues concerning my checking account debit transactions and my Account balance.I noticed that on XX/XX/21 my account statement indicated a balance of {$1000.00} on XX/XX/21 my account balance was down to $ XXXX.I do not believe that my account balance should drop to that degree in that span of time.I had made two disputes on debit card transactions. One with the online provider XXXX and another against XXXX XXXXXXXX XXXX XXXX with the intention of restoring my account in the face of businesses with bad intentions unjustly enriching themselves at my expense.I was expecting TD Bank to help me, not diminish my Account balance further.When I last spoke with a representative at TD bank they did not seem intent on accommodating me on maintaining my balance under the circumstances.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Attached is a copy United states Bankruptcy Court explaining they do not report to any of the credit bureaus. So how are you verifiying this information if the source is saying they don't report to any credit bureaus. You are reporting inaccurate information according to the Fair credit reporting act 15 usc 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

If any information is indeed inaccurate According to 15usc 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I have an auto lease with Ally Financial, and have been paying all monthly payments on time up to XX/XX/2021. Ally repossessed the vehicle unilaterally from a towing company in XX/XX/2021, no response from Ally after exhausted efforts ( see my letter via online portal to Ally on XX/XX/2021 ). Ally sold the vehicle in XXXX, and sent me the final statement on XX/XX/2021. I paid the final amount without any delay ( see Letter from Ally on XX/XX/2021 ). 

To my surprise, Ally reported a " Charge off '' to credit bureaus ( see XXXX  as an example ) in XX/XX/2021. This has impacted my credit score significantly and unfairly. 

I believe that Ally is practicing an egregious procedure to damage consumer 's credit score for their financial benefit.

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 2021-08-21 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: FL

Complaint narrative:
In a previous dispute XXXX Equifax requested copies of my drivers license, social security card, and my W2, all 3 items were uploaded, now they are saying it doesn't match their records which is ridiculous because those are my original documents. I am uploading it again I I expect Equifax to do what is expected of them instead of these game, my next option will be small claims court seeking damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
Between XX/XX/XXXX-XX/XX/2021 my account charged with XXXX $ worth of transactions to some company I've never heard of. I even contacted the company XXXX  and they said the account was under a woman 's name. And did not match my name. I alerted current through chat support and on the XXXX. XXXX th and they told me to wait until the charges posted as they were still pending. So in the XX/XX/XXXX th I contacted support via chat and opened a dispute. 4 days later I got a email saying the dispute was closed and did not get approved. I've sent emails to them to ask what happened and why this is not approved. No response whatsoever. If they would have done any type of investigation they would have found out what I did. That who ever used my card made an account under their name and used it. That right there is enough proof tho approve my claim. That tells me they didn't even do any investigation at all and just denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I sent a debt validation letter on XX/XX/2021 and this company has failed to validate the debt. Instead they sent a list of my medical records which I know is a direct violation of HIPAA regulations. I never signed a HIPAA 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 2021-08-22 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, It all happened on XX/XX/2019, I was buying and selling bitcoins via XXXX, the bank where I was getting paid every time I sell the XXXX  was a debit card ( Capital one 360 ) but they paid me via XXXX to that account. after like a week of selling I found that my account was block and the money in that account was freeze, I called the bank to find out what was going on and they said that I will get a call from the fraud department. 

After two days they call me and ask some questions about the account I couldn't hear pretty well because I was working, It was loud where I was located. I decided to called them back after and that is when they told me that some folk dispute some money that I got via XXXX. 

I explain them that it was a payment from XXXX  that I sell to him they just didn't hear me at treat me like fraud, I told them I had proof and everything to show them that I was not a fraud and that my money was getting stole, they just did not hear me and decided to send the money back at least that's what they said to me. 

I found out they report me to the Credit bureaus and I just didn't know what to do at the time until know, please help me with this matter I still have proof and everything you may need to show that I am not fraud, they took my money when I really need it in that moment, They just did not protect me and pretty much help the thieves get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ThunderRoad Financial, LLC
State: NC

Complaint narrative:
This is about a XXXX report I reviewed and seen a negative account thats on there, the account is called XXXX- Thunder Road address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, Date Opened XX/XX/2014, it states there is a XXXX balance but it also states the account got transferred/sold but doesn't give any other information, this doesn't Belong to me please delete Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: MI

Complaint narrative:
I been paying on my accounts with XXXX XXXX XXXX and on time and more money to pay my XXXX XXXX off, my end loan personal loan down, and I been paying to get my credit card back down and I have disputed after dispute and i have emailed and mailed y'all company CFPB about all three credit bureau 's wasn't reporting right and Equifax still not reporting my credit right because out of all my dispute to Equifax my credit XXXX XXXX XXXXXXXX have received all the disputes from all three credit bureaus and Equifax felled to update all two loans and my credit card payments and now this is XX/XX/2021 and Equifax isn't updating my payments for my credit score to go higher and I just paid off two collections that was reported on my credit report and no changes. I want Equifax to get my credit report reporting correctly and update my credit score. I will be emailing or uploading documents from XXXX XXXX XXXX XXXX and from the collection agency to show I have paid them off and I also paid the XXXX XXXX with XXXX XXXX XXXXXXXX off it was {$240.00} now it's XXXX owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: CO

Complaint narrative:
On XXXX XX/XX/2021, I was made aware that I owed XXXX XXXX  {$1000.00}. I contacted XXXX XXXX  corporate office to settle my debt. I spoke with a representative XXXX XXXX and he stated that if I paid {$800.00} it would settle my debt with XXXX XXXX. The {$800.00} was paid and a letter was emailed with the account number to me stating that the bill was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: NY

Complaint narrative:
XXXX XXXX/XXXX  incorrectly reported a credit card balance after I fully paid off the balance and closed my account in XXXX, XXXX. This resulted in a delinquency record on my credit reports and a significant damage to my credit score. I contacted XXXX XXXX and all three credit bureaus ( TransUnion, XXXX, and XXXX ) multiple times during the past month - XXXX XXXX  has been extremely difficult to deal with. 

After many phone calls I was not able to get a response from the department that handles credit report disputes. Their representative first said that they already sold my account to a collection agency and would not be able to help me. I then had a conference call with XXXX XXXX  and the collection agency to confirm that there was no outstanding balance associated with my XXXX XXXX/XXXX  account, as the collection agency already did an investigation in response to my dispute and promptly removed their false collection records from my credit reports. But XXXX XXXX  is still not able to remove their false information in a timely manner. I was given conflicting directions - one representative told me to file a dispute directly with the credit bureaus, and another representative told me to mail a letter to the XXXX XXXX department that handles disputes. I did both, and XXXX  a letter with supporting document to XXXX XXXX  on XX/XX/XXXX. The XXXX  tracking number shows that XXXX XXXX  received my letter on XX/XX/XXXX. However, as of XX/XX/XXXX, no one in XXXX XXXX was able to confirm if they received my mail or not, and if anyone was reviewing/working on my case. A XXXX XXXX  representative told me that even if they received my letter on XX/XX/XXXX, it could take up to 90 days to review and reach a conclusion. This is an unacceptable amount of time, especially for a case that was already investigated once by the collection agency that XXXX XXXX  used. 

XXXX  XXXX/XXXX  is by far the worst financial institution I have had to deal with. They do not have the ability to handle customer account records correctly and resolve customer concerns timely. Their irresponsible actions have resulted in a significant damage to my credit score and financial implications.

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 2021-08-22 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: NY

Complaint narrative:
XXXX XXXX/XXXX  incorrectly reported a credit card balance after I fully paid off the balance and closed my account in XXXX, XXXX. This resulted in a delinquency record on my credit reports and a significant damage to my credit score. I contacted XXXX XXXX  and all three credit bureaus ( XXXX, Equifax, and XXXX  ) multiple times during the past month - XXXX XXXX has been extremely difficult to deal with. 

After many phone calls I was not able to get a response from the department that handles credit report disputes. Their representative first said that they already sold my account to a collection agency and would not be able to help me. I then had a conference call with XXXX XXXX  and the collection agency to confirm that there was no outstanding balance associated with my XXXX  XXXX/XXXX  account, as the collection agency already did an investigation in response to my dispute and promptly removed their false collection records from my credit reports. But XXXX XXXX  is still not able to remove their false information in a timely manner. I was given conflicting directions - one representative told me to file a dispute directly with the credit bureaus, and another representative told me to mail a letter to the XXXX XXXX  department that handles disputes. I did both, and XXXX  a letter with supporting document to XXXX XXXX  on XX/XX/XXXX. The XXXX  tracking number shows that XXXX XXXX  received my letter on XX/XX/XXXX. However, as of XX/XX/XXXX, no one in XXXX XXXX  was able to confirm if they received my mail or not, and if anyone was reviewing/working on my case. A XXXX XXXX  representative told me that even if they received my letter on XX/XX/XXXX, it could take up to 90 days to review and reach a conclusion. This is an unacceptable amount of time, especially for a case that was already investigated once by the collection agency that XXXX XXXX used. 

XXXX XXXX/XXXX  is by far the worst financial institution I have had to deal with. They do not have the ability to handle customer account records correctly and resolve customer concerns timely. Their irresponsible actions have resulted in a significant damage to my credit score and financial implications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I applied for a small mortgage with Wells Fargo at the end of XX/XX/XXXX. I had 2 other mortgages with Wells Fargo stemming back to XXXX and XXXX, so I didnt think there would be much concern with the new mortgage request for {$40000.00}. During the underwriting processing with Wells Fargo I feel I was subjected to unnecessary and unreasonable request to deter my purchase of the new home. 
I would like the Consumer Financial Protection Bureau to investigate XXXX XXXX actions into the underwriting process. I had several issues for example. 
1. I was requested to provide title documents for a house I purchased in XXXX to which Wells Fargo is the lienholder. How is this relevant to the current property purchase? They should have already had a copy since they held the lien on the house. 
2. I was requested to provide a copy of the property tax payments for two properties that were owned under my XXXX XXXX. The payments were provided, however Wells Fargo didnt not recognize the late payment fees and requested that I provide the exact billing invoices for the amounts paid. The invoices would not have been exact if late payments were applied to the payment. The state does not send out updated monthly payments due on real estate property taxes. 
3. Wells Fargo requested that I liquidate funds from my XXXX then asked for an explanation as to why I liquated the funds. 
4. At the time I applied for a mortgage I was on XXXX XXXX XXXX from my job. Wells Fargo requested that I provide a letter from my job stating when I would return to work. How would my company provide such a letter since they are not doctors. 
These are just a few of the items Ive had to deal with while trying to obtain an approval from Wells Fargo. I felt like I was being discriminated against. If you review my Wells Fargo document requirements and all the letters of explanation and exceptions to obtain approval you may understand my point of view.

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 2021-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I bought the car and payed way to much for a XXXX  XXXX XXXX I payed XXXX something and my interest rate is 20 %. That is ridiculous for this car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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:
My TRANSUNION credit report is showing, A collection account as open and a {$0.00} balance. This is reported monthly as a derogatory account negatively affecting my credit score. I have filed three disputes this far without any resolution, XX/XX/XXXX, XX/XX/XXXX and one dispute on XX/XX/XXXX. I spoke with with XXXX XXXX XXXX whom confirmed it should be closed and have a Paid in full letter File XXXX showing it is closed. It was paid XX/XX/XXXX and has been revolving and is reported monthly for 5 years and 9 Mos. Also, it is showing open and last reported on XX/XX/XXXX. This appears as derogatory and has high impact to my credit score negatively and shows needs attention to this collection account.

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