vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I have sold my Crystler Capital lease to XXXX on XX/XX/2021. After that, XXXX delayed sending the payoff amount to Crystler Capital which I was not aware of. When XXXX finally sent the final payoff amount, it was XX/XX/2021 but by that time I was already charged for late payment for the month of XXXX. This dropped my XXXX score by roughly under XXXX points. 
I called Crystler Capital to inform about this issue once I found out. They requested a fault letter ( attached below ) from XXXX saying the vehicle was not in my possession post XX/XX/2021 and the reasoning behind their delay. I had to physically go to XXXX more than 3 times to get this letter done and had multiple iterations to update based off of what Crystler Capital wanted to be written on the letter. 
Once the final iteration was completed after XXXX included all the information that Crystler Capital asked for, they still said it wouldn't work and they wouldn't fix the credit reporting. I have spend 2 months on fixing this issue and tried to include all the information that Crystler Capital asked for but yet they still said they wouldn't fix it at the end which is tremendously frustating. Especially since how significantly it effected by XXXX score. Crystler made me go through all the hassle to have XXXX prepare the letter just to say they wouldn't fix the issue even though they said they'd fix the reporting once I had the letter from XXXX. I know Crystler Capital has mostly one start reviews and this was just a prime example of why. 
I have been emailing all the information to a personnel, XXXX who was handling the credit information to Crystler Capital credit department. She only called after each email to add additional information that they'd require but never responded to my emails due to legal restrictions according to her. It has been months since my credit has been effected by this but I was unable to get any help in fixing thing from Crystler Capital even though it wasn't at my fault. 
XXXX has been compliant in getting the letter written but again, it was XXXX 's delay that led to the negative affect on my XXXX score. 
This delinquency was only reported to XXXX and not the others which was also a little bit strange. So I am hoping this get resolved soon as I have filed a dispute with XXXX. 
I have also attached below the letter I have sent to XXXX for the dispute with all the related information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Professionals, Inc.
State: UT

Complaint narrative:
By not replying in a timely manner to my initial letter on XX/XX/2021, the company have not only violated federal and state laws, but also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Additionally, they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: IL

Complaint narrative:
I've discovered that I am a victim of identity theft. XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX has fraudulent accounts being reported on my credit profile. These must be removed immediately, please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: MI

Complaint narrative:
I opened a account at Key bank online. I then went the next day and deposited my payroll check and an expense check. No issues. I then set up direct deposit. 

I travel for work so my new account had log-ins in multiple states. They froze my account. I went to the bank and verified everything NO FRAUD! They then told me my account is frozen for 90days and I cant use it. Since then I have had a direct deposit rejected and waiting for a new check to be cut, my initial pay check is frozen. No funds going on 3 weeks now till I get a 3rd check. Been assessed countless fees, services being suspended, and I cant even even buy food for my home.

The bad workers said I cant help you or I could lose my job my funds are frozen unjustly and now I have occurred financial hardship, My services are off, and I cant eat. Nobody is helping or seems to care there. I dont know what to do. I also feel they owe me my funds plus the fees Ill I have to figure out. It will take me months to recover from this neglect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  according to FCRA ( 1970 ) 15 U.S.C 1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize. 15 U.S.C. 1681 section 602 A States I have the right to privacy.

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 2022-03-30 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: TX

Complaint narrative:
Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXXXX/XX/XXXX according to FCRA ( 1970 ) 15 U.S.C 1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize. 15 U.S.C. 1681 section 602 A States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
To Whom it May Concern, On XX/XX/XXXX, I spoke with both XXXX & XXXX XXXX in regards to a collection account placed with CCS for XXXX in which I do not owe. I am requesting a validation of debt in which as XXXX stated on a recorded line I am being charged for canceling before my contract term & that discounts were removed, which is untrue. Im being charged for an additional month in which I did NOT have insurance with XXXX. 

I sent a SIGNED cancellation on XX/XX/XXXX - my policy # XXXX was not cancelled and payment was still auto-drafted on XX/XX/XXXX. 
I called on XX/XX/XXXX and had the policy cancelled, receiving email confirmation on XX/XX/XXXX. They stated that they would refund me for the auto-draft as it was in error. I disputed with my bank because I DID NOT AUTHORIZE the transaction and per my cancellation letter, I revoked all authorizations and contact with XXXX. 
I received another cancellation confirmation on XX/XX/XXXX. 
On XX/XX/XXXX, I received a notification that my payment was not successful which is because I won the dispute with my bank and the funds were returned. I revoked authorization prior to XX/XX/XXXX when the payment was taken. 
On XX/XX/XXXX, I received a cancellation notice for non-payment of the {$180.00} premium for the same policy number # XXXX. It was stated that this policy would be cancelled XX/XX/XXXX but previously, it was been cancelled via both verbally and written communication. I was sent two confirmations of cancellation on both XX/XX/XXXX & XXXX. 
So I was charged for an additional month at the rate of {$180.00} in which I did NOT have coverage with XXXX. 

Who authorized my policy to restart for an additional cancellation on XX/XX/XXXX? I did not. In response, I am requesting full validation and investigation of the cancellation process after I 1 ) sent in written cancellation & 2 ) confirmed verbally on XX/XX/XXXX that my policy would be cancelled. 

I will be needing these items sent to my home : - [ ] The declarations page between XXXX & myself showing where cancellation fees are charged and discounts are removed once the policy is cancelled. 
- [ ] A full file review of my policy with acknowledgement of who authorized policy # XXXX to restart once cancelled on XX/XX/XXXX by me, the Name Insured. 
- [ ] All notes placed on policy # XXXX I have taken the test to write insurance policies and I have worked continuously with my insurance company for 5+ years. I am very aware of what is written in an insurance policy as I create them. 

I am not liable for insurance coverage that I did not receive nor need. I am not liable for a charge that I revoked authorization on and was still processed. 

XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
My former landlord XXXX XXXX XXXX, is claiming I owe a debt of {$300.00}. A charge they made up out of spite, after several disputes we had that caused them to refuse to renew my lease. I lived there for 3 years and had never committed a lease violation. We did however have many disputes while I was living there, mostly due to XXXX prejudices claims. They really abused their authority by not renewing my lease for that reason. They despised the fact that I had no problem exercising my freedom of speech. When I moved out of my apartment and left it clean and completely free of trash or clutter, in fact I even swept the floors before I left. I then receive a made-up charge of {$300.00} for trash removal simply because of their pettiness. There was no trash to remove from the apartment, yet they charged me after I was gone a trash removal fee. That again was created out of their spite and pettiness, just like every other interaction with them. 
They could not and can not provide there was any trash to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Spoke with Capital One Auto Finance XX/XX/2022 I have two auto loans with them, each account now has 6 late payments reported as of XX/XX/2022. 
Spoke with a representative XX/XX/2022, they agreed to remove the late payments fees and the late payments on BOTH accounts. 
Capital one investigated and verified the information on the recorded call and I can be heard asking when the late payments would be removed from my reports. The agent specified XXXX hrs. I followed up with capital one and they have declined to uphold what the agent expressed capital one will do. My credit score has severely been damaged, capital one was made aware that my job title and duties are subject to the credit rating and that the removal is needed to maintain my current salary and position. Without the removal, It will not be possible to get back on good payment history with their financial institution. I have sent numerous letters expressing the impact of covid during those months and prior to that, I have never been late on either vehicle. I was told they would remove all the late payments, I would like for them to keep their word so I can continue to keep mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
In XXXX, I had a Chase Sapphire Reserve Card. We cancelled the card at the end of XXXX as it was a travel card, and no one was traveling during the pandemic. One of the charges on the card for a cruise line was refunded. Chase decided to send the refund back to us in the form of a check in the amount of {$19000.00}. 

That check was never cashed and misplaced. When found, after a year, the check was no longer valid and expired. I still have the check in my physical position if needed. I contacted Chase on XX/XX/XXXX, regarding the situation and an Agent from the Payments Team said that I would receive a new check, which I never got. I called again on XX/XX/XXXX, and spoke to Agent XXXX from the Payments Team, who said that he would put a rush on payment, but the check was never received. Finally, I contacted Chase again on XX/XX/XXXX and spoke to Agent XXXX ( they will not provide last names ) from the Payments Team. For whatever reason, Chase can not tell me if another check was ever sent or processed. I indicated to XXXX that would file a claim with CFPB and also explore other options available to me. 

In short, Chase legitimately owes me {$19000.00} but its process and bureaucracy seems unable to process a new check nor inform me of the status. Since the account is closed, Chase seems unable to create a customer service thread, therefore every time I call I need to revisit the entire situation. I really need your help as it is a lot of money and I am not getting anywhere with Chase.Thanks for your consideration asn assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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:
Hi. Please help me with these accounrts I am reporting. They have been included wrongly in my account and it has already casued me so much distress since they are hurting my credit scores. The bureaus do not want to delete them no matter how i explain this to them. Please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi. Please help me with these accounrts I am reporting. They have been included wrongly in my account and it has already casued me so much distress since they are hurting my credit scores. The bureaus do not want to delete them no matter how i explain this to them. Please

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 2022-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi, I have been in contact with Truist for the last two weeks trying to access my online banking in order to make changes to my mortgage payment and access needed documents to file my tax return. I have spent over 16 hours on the phone with Truist and they are unable to grant me access to online banking and can not make the changes to my mortgage payment, which benefits them. I would like to increase my principle payment.

I have asked to speak managers each time and have been disconnected when I ask to do this. 

I am beyond frustrated and I think it is criminal they are denying me the ability to increase my principal payment on my loan. 

Cheers, 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
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
I have been hospitalized twice recently with COVID and have been unable to work.

Got behind with Security Finance. Made a payment as per agreement. Lady asked me to tell her when I'd have more payments. I told her I'd try to pay again by XX/XX/XXXX. She said that was not good enough, and that they don't offer payment arrangements. ( Actually she told me no payment arrangements when I called a month or so 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 2022-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sezzle Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX. XXXX, I contacted Sezzle to open a dispute about items I never received from from a Company called XXXX XXXX XXXX XXXX XXXX The item had been in flux for months and was ordered in XXXX of XXXX. At this point I reached out to the business to tell them to cancel the order. 

On XX/XX/XXXX, the company sent the items I asked them to cancel and Sezzle responded that the dispute was closed because they provided tracking information. Once the item was received I took it back to the post office to refuse the shipment, sending it back to the business. I provided Sezzle this screenshot at the time showing item was in transit back to the business via their portal. 

I also provided them email communications that I had at the time showing I had reached out. 

Sezzle never responded to this evidence and on XX/XX/XXXX, still showed that I owed a debt. I reached out again asking them to take a look into this and they asked me to re-provide evidence. The tracking link is no longer affiliated with that shipment as it is in reuse and the I don't have that email thread that I can locate. However again, I provided this information already in their secure portal. The business won't proceed with my old evidence and instead sent me to debt collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've discovered that I am a victim of identity theft. XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX has fraudulent accounts being reported on my credit profile. These must be removed immediately, please and 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 non-monetary relief
Consumer complaint received 2022-03-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've discovered that I am a victim of identity thefXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX has fraudulent accounts being reported on my credit profile. These must be removed immediately, please and 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 non-monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX sold debt to XXXX. Initially, the amount owed was stated to be {$1700.00}, bit after reaching out to management at XXXX XXXX, she agreed that the rent she attempted to collect from me could not be legally charged wile renting to another tenant who began leasing my partment in XX/XX/XXXX. Howeve, she said is is still required to charge a resetting fee,, which under lanord-tenant laws is also illegal in the state of Texas as they already lease my Apartment as soon as I moved out.. Pro Collect made adjustments and states that I owe the {$910.00}. As of this date, I requested Pro Collect provide the authorized, signed agreement stating that a third-party collection agency can collect and they have not provided such proof. Additionally, the charges XXXX XXXX was attempting to collect was/is illegal under state law. As of XX/XX/XXXX, all 3 credit bureaus is reporting debt that I do not owe and in which I disputed under the federal law.

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 2022-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
THIS IS A RESULT OF IDENTITY THEFT.

Company response to consumer: Closed with explanation