vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Hello. 
This debt collector did not provide me with proper depth validation for this allege debt. Please delete this from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I purchased a car on XXXX, I paid for it in full, and received the title and registration. The title and registration I was given had no lienholder on it. I went ahead and did a smog, went to the DMV got my registration, and got my title. After a while I decided to sell the car, I went to XXXX, and XXXX told me there was a locator hit on the car by Santander USA and that I could not sell the car and had to contact them since there is a lien. After calling Santander 50 times, they finally asked me to send over my documents which I did after they saw the title which is in my name, and the registration which is also in my name with no lienholder they are refusing to release the lien from the title. I contacted the previous owner and he told me he never financed the car and he paid for it in full also. I want Santander to remove the lien they have on my car, I have never financed this car, their issue is with whoever financed it not me. If they would like to buy my car back from me that's okay too, I will sell it for {$10000.00}. Santander has me in limbo and every time I call they say they can't give me any information because I'm not the account holder, of course, I'm not I NEVER FINANCED THIS CAR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MA

Complaint narrative:
I signed up for autopay with EdFinancial in XXXX. On XX/XX/XXXX I received an email confirming their receipt of my request and that the effective date would be XX/XX/28. Now in XXXX I'm receiving past due notices for the XX/XX/28 payment. I logged in and there was no auto pay set up. Instead their website is encouraging me to sign up. I googled the problem and found out on XXXX that lots of people are having my same issue with conflicting information. Tonight I called Edfinancial and the CSR told me that they are " aware of the problem '' " working on it '' and gave me an estimated resolution date of " XXXX ''. However they could not explain why it was happening nor why they are still advertising the program without any warning to customers that the program isn't working and that they may find themselves defaulting on a payment. Nor could the CSR confirm whether the interest discount they advertise for signing up would be retroactive back to my initial application. So I have to make manual payments at the full interest rate instead of the auto pay reduced rate despite accepting their auto pay offer nearly two months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This all falls under this 15 USC 1681B!! Please I want all these off my report! unless they have written consent for them to report they can then post on my report! until than they don't! so I would like these off my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I filed a dispute of {$100.00} with Capital One, they are not resolving the dispute and I did provide them the documentation, even after providing them the documentation they are not ready to give me a credit of {$100.00} and make it permanent. 

they reversed the credit of {$100.00} they gave to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Spoke to a special handling team about these accounts because they are fraud. Transunion have received documents from the creditors and refuse to delete these accounts. I have called numerous times about these accounts this is my second complaint because Transunion have the documents from the creditors with results of their investigation that i mailed and signature and i sent documents from the last COMPLANT.

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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Spoke to a special handling team about these accounts because they are fraud. XXXX have received documents from the creditors and refuse to delete these accounts. I have called numerous times about these accounts this is my second complaint because XXXX have the documents from the creditors with results of their investigation that i mailed and signature and i sent documents from the last COMPLANT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I was trying to purchase a car so I had an inquiry made on my credit from XXXX XXXX XXXX dealership but then I looked on my credit report and 4 other dealerships had made an inquiry on my credit when I never gave them permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
I sent request for information via email and mail to JJ Marshal and Associates. I have not received the information from JJ Marshal and Associates as to why I am submitting this complaint. I am requesting information from JJ Marshal and Associates in the correspondence attached to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The problem is as of today XX/XX/XXXX  that XXXX has my name incorrect on my credit report this is not me and this is false information. I want all this information wiped clean on my Equifax report. 

I can provide my correct information such as my driver 's license. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, i.e., the consumer may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802. to the Following Companies XXXX ( XXXX XXXX  ), Capital One, XXXX XXXX ( XXXX XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The problem is as of today that Transunion has my name incorrect on my credit report this is not me and this is false information. I want all this information wiped clean on Transunion. 

I can provide my correct information such as my driver 's license. 

Thank you.

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 2023-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: PR

Complaint narrative:
This account was removed from my XXXX credit report, this is with attempted fraud, because they want to charge it twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCF Intermediate Holdings LLC
State: NV

Complaint narrative:
I was contacted by Rapid Cash via a phone call asking for my social security number. I have never opened an account or received a loan through Rapid Cash. 

A month after the phone call, I received a letter stating that I have an account # with R.C. And have a past due amount of {$1100.00}. The letter asked me to pay within 30 days and provided a payment stub and envelope. 

I dispute their claim. I have never used Rapid Cash or received a loan through their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I went to do an XXXX XXXX XXXX XXXX before the procedure I paid for the service as it was my medical insurance Co-Pay. I have submitted my bank statement several times showing the payment of the {$500.00} being paid. They still have not fixed it in over almost 2 years and refuse to provide more information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
On XXXX XXXX XXXX, {$10000.00} was fraudulently transferred from my wifes and Is joint checking with USAA. One transfer was for {$900.00} and the other {$9100.00}. 
My wife contacted USAA the same day to dispute the charges and USAA opened an investigation. 

On XXXX XXXX we were contacted via phone from a USAA fraud investigator. The investigator explained to us that on XXXX XXXX someone went on USAAs website ( usaa.com ) and using only my wifes phone number was able to gain access to our accounts. This person logged in everyday until XXXX XXXX, when they transferred our money to an external bank account. 

The fraud investigator claimed USAA has not evidence of fraud and refused to return the funds to us because the person who accessed our accounts used a phone number is listed in USAAs system as being associated with us. 

First, my wife and I only access our bank information via the USAA app, because the app is directly tied to our personal devices and requires a pin number every time we access it. Accessing our accounts via the website from devices not associated with us should have raised suspicion. 

Second, the person who accessed our accounts from the website, not a phone call. My wife and I never use USAAs website and if we have banking issues that can not be addressed via the app we always call, per USAAs own guidance. Someone accessing our accounts only from website, not the app and not with a phone call, should have raised suspicion. 

Third, the {$10000.00} transferred from our accounts were clearly done in a manner to avoid having to do a Currency Transaction Report which should have raised suspicion by USAA and the financial institution that received the funds.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I just received my credit report for XXXX and TransUnion, and they told me one of my XXXX XXXX loan accounts are not being reported by the bureaus.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I just received my credit report for Equifax and XXXX, and they told me one of my XXXX XXXX loan accounts are not being reported by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAVALRY INVESTMENTS, LLC
State: NV

Complaint narrative:
Formal Complaint Against Cavalry Portfolio Services I am writing to file a formal complaint against Cavalry Portfolio Services, a debt collection agency located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX, with contact number XXXX. The purpose of this complaint is to bring to your attention the alleged unfair and deceptive practices I have experienced during interactions with this company. 



Details of the Complaint : Lack of Validation : Despite my request for debt validation, I have not received adequate documentation or verification of the alleged debt in question. The lack of transparency in providing essential details raises concerns about the validity of the debt. 

Failure to Cease Communication : I have previously requested that Cavalry Portfolio Services cease communication regarding this debt, as permitted by the FDCPA. However, communication attempts persist, causing unwarranted stress and anxiety. 

Failure to Provide Information : Requests for detailed information about the debt, including the origin and substantiating documents, have not been adequately addressed. The lack of transparency impedes my ability to assess the legitimacy of the debt. 

I kindly request the Consumer Financial Protection Bureau to : Investigate the aforementioned complaints against Cavalry Portfolio Services. 
Take appropriate action to ensure compliance with the Fair Debt Collection Practices Act. 
Facilitate communication between me and Cavalry Portfolio Services to resolve these issues amicably. 
Enclosed with this letter, please find copies of relevant correspondence, including communication logs and any documentation related to the debt. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to address the alleged violations. Your assistance in resolving this complaint is crucial in protecting consumer rights and promoting fair debt collection practices. 
accounts Account owner Individual Account Original creditor XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Account status Unpaid Agency CAVALRY PORTFOLIO SERVICES Creditor Classification Banking Status date XX/XX/XXXX Original amount owed {$2300.00} Balance date XX/XX/XXXX Date of last payment Date of first delinquency Balance owed {$2300.00} Comments Consumer Disputes This Account Information CAVALRY PORTFOLIO SERVICES Account owner Individual Account Original Creditor XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Account status Unpaid Thank you for your prompt attention to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: AMKO Lending, LLC
State: OH

Complaint narrative:
I was supposed to close on a house with AMKO LENDIMG. At the last minute just 2 business days before closing they reach out asking for bank statements from a gift donor, they ask for tax transcripts and they want a letter conforming that I was receiving section 8. But they want to count section 8 as an income even though it will not continue after I close on the home. They are ficuring me through all these hoops. Now we are several days past our anticipated closing and there is no type of update in sight. I am highly upset. I am XXXX and so is my XXXX XXXX XXXX son and we probably will be homeless. I am so stressed out. I can't buy food because I can't use my credit cards or money in the bank because it is for my cash to close. I am so stressed out and no one from AMKO Lending can give me straight answer. The XXXX and the processor do it even commicaye with each other. After going under contract I found out my real estate agent and XXXX are brother and sister. I did not know this prior to completing the application. I was told that this did not have to be disclosed because they are step brother and step sister. I feel this deal is totally unfair and I feel that I am being scammed.

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 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX XXXX  I received a call from a woman that said she was from US Bank fraud dept. Did I spend {$300.00} in Idaho? I said no ( but I just had been in Idaho ) She said your account has been tempered with and you are going to have to put a new ID and Password on your account. " I need to send you a code to verify it is you ''. US Bank always does that if I put in wrong password. Then she sent a code to my cell phone and said you are going to have to redo your app too. Delete your app and put a new one. 
" We want to protect so this doesnt happen again.? She asked me a couple of questions like secret questions I said " don't you have that there? she yes I need to protect you and change those. She was taking so long and I said " why is this taking so long '' she said it is my connection. Please be patient, this has happened to me too and I work in the fraud dept. When I hung up the US Bank sent a text that said " we just approved {$6000.00} on your credit card '' '' I called immediately and the bank told me it was a fraud and that they would put a hold on my account and to call the fraud dept in the morning. 
One of my friends called me and said " what is wrong with your phone I called and a man answered ( she called me on my landline. another friend called and said your mail box is full. I said " really I just called to check messages and it said I didn't have any. 
I went to Bank the next day Saturday and the manager XXXX XXXX pulled up all my transactions because usually they are not posted until Monday and there was a wire charge for {$30.00}. I said I have never sent a wire in my life. I also have never used the credit card. There was a cash advance for {$3100.00} and another for XXXX minutes apart. 
the bank told me that he would give me back the wire money and in the meantime the fraud dept would do an investigation. I was told to go to XXXX to have phone checked to see if there was any suspicious apps put on my phone. I went to XXXX the next day and XXXX found that there was a forwarding of all my calls to a XXXX money sent to XXXX XXXX XXXX XXXX to a XXXX XXXX. I do not know this person nor did I sent this wird. US Bank was denying my claim because came out of my checking account with my name on it. Since then there has been denial letters sent but I have not stopped calling fraud dept and putting claims in to XXXX  and XXXX XXXX and police dept.

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 2023-12-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hi there. I have a prepaid American Express business gift card. It's worked fine until recently when it keeps getting declined from online stores ( I'm guessing due to increased fraud detection ). Now, I can't use my remaining balance on my gift card. What should I do?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: TX

Complaint narrative:
Friday XXXX XXXX XXXX {$100.00} withdrawal XXXX {$200.00} withdrawal XXXX {$200.00} withdrawal XXXX {$100.00} withdrawal XXXX {$60.00} withdrawal I was at home with my card in my wallet when these transactions took place. I am sure a look at the camera footage from the atm would have shown that if anyone looked. I also received an order from XXXX 's club at my door moments before this occurred. My claim was denied and I do not feel a proper investigation was held. My claim number is XXXX

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