vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-16 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: MD

Complaint narrative:
To whom it may concern, This is my second time filing a dispute with Transunion and they are still refusing to properly investigate and remove a bankruptcy that is not mine even when I sent in documentation proving that the bankruptcy is not mine. XXXX and XXXX have since deleted the bankruptcy as I provided them with the necessary documentation which I also sent in to Transunion but they refuse to remove the bankruptcy. They continue to send out investigation results fromXX/XX/XXXX and have not made any attempt to actually review the documents that were sent in. This is against the law as only accurate information can be reported on my credit report.

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 2021-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: M.A.R.S., Inc.
State: MI

Complaint narrative:
Mars trying to collect money from me I asked them to send me signed documents and they failed to submit anything. Told them to stop calling me I get calls from different numbers threatening to take me to court asking for my bank information talking disrespectful to me. I dont know these people this is on my credit asked for it to removed due to they cant provide proper documentation I feel threatened at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: OK

Complaint narrative:
I was a victim of identity theft. I lost my wallet and the wallet contained cards, ssn, ID etc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2021 I used XXXX to transfer XXXX to XXXX XXXX a food service merchant to deliver hot food to my grandfather in XXXX XXXX. The recipient advised me that the funds were never received via XXXX. I reached out to XXXX to reverse the transaction with XXXX however they were unsuccessful in getting a response from XXXX so they were not able to reverse the transaction. As a result I reached out to my banking institution Capital One to dispute the transaction to fight on my behalf to retrieve my funds from XXXX. My dispute was wrongfully denied by capital one so I am taking the next step to see what can be done to retrieve the funds taken from my account as the recipient never received the transfer of XXXX from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am a victim of identity theft and enclosed you will find a debt validation and full material disclosure request for the alleged debt I owe Midland Credit Management. I never authorized or entered a consumer credit transaction with Midland Credit Management, XXXX XXXX or XXXX  XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have a bankruptcy that was XXXX in XXXX. I purchased a house after the bankruptcy. When I tried to refinance my home I found out that Wells Fargo put a lien ( XXXX XXXX # XXXX ) on my home for a debt dated XX/XX/XXXX. This debt was included in my bankruptcy. In the letter, I gave them this information and request for them to remove the lien. A few weeks later I receive a letter stating they were working on it. On XX/XX/XXXX I received a call from XXXX XXXX ext XXXX, stating they could not find the lien and did I have any more information and I could fax it to her. I faxed her the paperwork from the title co. a copy of the judgment indicating the case and docket #. On XXXX I received another letter to contact XXXX ( no last name was given at XXXX. I called the # over 20 times in 2 days and it keeps ringing busy. so I called XXXX back and left her a message and faxed her a note stating such she never responded. I feel like I'm getting the runaround. Its been over 30 days since I started this process and I'm still at the 1st step and now no one is responding to me

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 2021-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Strange withdrawals from my checking account which Capital One claims I did- I denied the claim that it was me withdrawing money from this ATM, to which they entrapped me with my own words in a dishonest way : They asked if I had misplaced my debit card, which to my knowledge has not left my wallet. They said that by that logic, because I did not misplace my wallet that my fraud claim is closed and that I am responsible for the charges. HOWEVER. 

Not only do I have zero recollection of having withdrawn from a strange ATM, the address of this mystery ATM is XXXX XXXX XXXX XXXX, a seemingly residential address. 

Upon looking up this address, it is assigned to an empty lot inside a residential neighborhood and there is not a single business entity that seems to have been at this address or using this address for any purposes. 

I've reported my findings to Capital One, but they just kept repeating the same thing regarding how they will not do anything other than close the claim and that I should file a police report if I am not happy about their decision ( which we all know does absolutely nothing ) Please help, and thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX I Recognize un-authorized activity on my Coinbase account. I asked them to lock my account. XX/XX/2021 I learned that my email account XXXX had been compromised, the unauthorized access was used to gain access to my XXXX, XXXX, and XXXX accounts. XX/XX/2021 I secured my e-mail address with XXXX, changed my password and established XXXX using my phone. I also worked with Coinbase to secure and re-establish my account. We set up XXXX using my e-mail address. Someone has gained access to that account somehow and has changed the security settings removing my phone, voiding my e-mail address as viable contact and has established XXXX on it using another device. The hacker and Coinbase have effectively locked me out of my own account and has seemingly transferred ownership to someone else. I had about XXXX in my account. I had sold all my XXXX XXXX and had converted it to cash {$2800.00}, I was holding about XXXX {$900.00} XXXX and {$45.00} XXXX. I had verified XXXX on my bank accounts with my phone and removed them before I lost access

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
I took a loan out with Checkngo ( Axcess Finance ) of XXXX, SC... I pd well until I simply asked the Mgr to hold the account from that Friday to Monday because I was having issues with my pay check and I didn't want it to bounce ... She responded as they dont hold accounts and I best put the money in the account.. I said there would be no way until Monday. She said well if it bounces she would continue to run the ACH everyday until it pd.. It told her i couldn't afford to pay the NSF fees.. She said well put the money in the acct.. She lived to her word and ran the ACH several times running up approx 400 dollars in fees... I was really mad about and called the Home Office... They assured me that they would fix the situation if I pd XXXX dollars to which I did ... About a week later they ran another ACH without any word of so and it bounced... I called the XXXX  again and they said they were very sorry and said they would fix it... Well the fix was to Charge Off the acct... I have great credit except for this account... The Company soldthe debt to a Collections place and they told me if I would pqy it off they would assure me they would get with Check and Go and have all negitive information in it entireity removed... I pd the account in full that day... Please live to the Companies word and remove all information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
My name is XXXX XXXX and I received an adverse action letter from Santander Consumer USA. The letter states that Santander is unable to approve the terms of your credit request, using information from a credit application that was done through XXXX. According to 15 USC 1691 ( a ) ( 3 ), it is unlawful to discriminate against an applicant with respect to ANY aspect of a credit transaction and because the applicant has in good faith exercised ANY right under the XXXX. This is even stated on the letter at the very bottom. I also noticed that it mentions an application for extension of credit. A credit application is applying for credit. Pursuant to 15 USC 1602 ( f ), credit is defined as the right granted by a creditor. Creditor is defined as someone who regularly extends credit AND to whom the debt is ARISING FROM, pursuant to 15 USC 1602 ( g ). Included in that application was my social security number. Obviously thats how my consumer report was pulled. Pursuant to 15 USC 1602 ( l ), a credit card is defined as ANY card, plate, coupon book, or other credit device used for obtaining money, property, or services ON CREDIT. If I am not mistaken, my social security card is in fact a credit card. So in order for Santander to EXTEND credit, there needs to be a source of credit. That source is my social security card. In turn, making me the creditor because I extended my credit and I am who the debt would be arising from. So theyre falsely claiming that they extend credit when their website consists of financing options. Credit and loan/financing are NOT the same nor do they have the same definitions. A loan application is applying for a loan ; financing. So they are taking my credit source and denying me of my own credit based on information that is NOT verified. Finally, in the letter Santander states that if they obtained information from a consumer reporting agency as part of their consideration, they will list the agencys information, which they did. Now the proceeding sentence states that the reporting agency played no part in Santanders decision and is unable to provide specific reasons for the denial of credit. According to 15 USC 1681m ( a ) ( 3 ) ( B ), the latter of that statement is correct but to say that the consumer reporting agency played no part is completely false and contradicting of the previous sentence. It also clearly states that Santander obtained my credit score from this consumer reporting agency and used it in making our credit decision. So it seems as though the consumer reporting agency did in fact play a part in Santanders decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had issues making payments on the following dates XX/XX/XXXX, XXXX XXXX XXXX, XXXX & XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX due to payments not going through when I had them on auto-bill. They never notified me of this rejection and gave me these late payments. I can not get a mortgage because of this negative history on this credit card. I reached out to the company and they will not help me with this unfair solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have file several disputes regarding my credit concerns and items that's inaccurate on my credit report.. I credit bureaus, creditors and collections companies aren't complying with the FCRA. I have sent out several letters asking them to provide proof a validity, make corrections, and or remove inaccurate items they refuse to do so.. I have proof of every letter i sent out..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have file several disputes regarding my credit concerns and items that's inaccurate on my credit report.. I credit bureaus, creditors and collections companies aren't complying with the FCRA. I have sent out several letters asking them to provide proof a validity, make corrections, and or remove inaccurate items they refuse to do so.. I have proof of every letter i sent out..

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 2021-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: TX

Complaint narrative:
Hello, I am a victim of Identity theft. I have never once entered a consumer credit transaction with XXXX XXXX. Please refer to the attached documentation below. I tried to contact XXXX XXXX XXXX registered agent but I could not locate the applicable agent. Whats even more confusing is that it states that the account has been purchased by another lender. This maybe a mix up or a misunderstanding so im hoping we can resolve this now to prevent further legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX appeared as a pending charge. I send cash app support a message. Letting them know the charge was unauthorized. Cash app then informed me that the charge was pending and to try back later. 

Today XX/XX/XXXX I reached out to cash app because the charge and posted. Cash app has responded with email for there support team : We will update you with the required information to open your claim within 10 business days. 

Please note, the card network provides the merchant up to 45 calendar days to investigate and resolve your claim. 

We appreciate your patience throughout the claim process. 

This is not fair that I notified them before the charges posted and now have to wait 55 days for response to my money. During these times my family needs every penny and cash app is taking advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion is reporting a collection account on my credit report that is a third party account. By law a credit company can not report a third party account, only the original debtor.. I would like this account removed.

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 2021-10-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I've been disputing this account with the credit bureau for sometime because there are some inconsistencies in the information reported on my credit report so on XX/XX/2021 I figured it would be better to request the information by phone I called XXXX when I did not receive the information requested by mail from Macy 's and I was unable to get a representative who could gather any information in regards to the account because they state that the account has been archived. I spoke to XXXX who transferred my to XXXX who stated he cant view the account and then he referred me to call XXXX spoke to XXXX who also could not view the account I was then transferred to a supervisor XXXX who also could not locate any information on the file and strangely she referred me to call XXXX to obtain the information. I would like to know when was the date of the last payment on this account? When did the account close? Why are the late payments inconsistent on my report? A closer look at my report also shows different dates of last activity and dates the account was last reported to the credit bureau 's. Please see the supporting documentation attached to this complaint.

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 2021-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Discover Bank/Discover Fin Svcs LLC RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act Dear Sir or Madam : I am a victim of identity theft. The thief made a fraudulent transaction/opened a fraudulent account in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent accounts identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. 

Enclosed with this request is the following documentation, as applicable : Proof of my identity : A copy of my drivers license, other government-issued identification card, or other proof of my identity ; and Proof of my claim of identity theft : A completed and signed FTC Identity Theft Report or alternative affidavit of fact. 
Please provide all records relating to the fraudulent accounts, including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. 

If you have any questions concerning this request, please contact me at the above address or at XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I would like to file a Fair Credit Reporting Agency violation against this credit bureau called Experian Credit Bureau. On XX/XX/XXXX I requested that they send me there method of verification as it pertains to a XXXX XXXX XXXX account that is been reported on my credit report. The only thing that Experian has done is just to send me a statement saying that the account was been reported accurately. This is false as Experian is saying that this account went into a charged off status in XX/XX/XXXX and this is totally false. There is also missing payment and account information as it pertains to the XXXX  XXXX XXXX account that is been reported on my credit bureau. There is no payment and account information listed on the credit report for the periods between XX/XX/XXXX and XX/XX/XXXX and this makes the account incomplete and inaccurate and the Fair Credit Reporting Act states that such accounts should be deleted from the credit report. Experian has failed to abide by the Fair Credit Reporting Act

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