vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
They are not trynna remove it off my credit I have not had no vehicle like that in years, also the person is deceased who was he ping me pay on it I never received anything by mail that I owe anything they keep harassing me almost every day

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX XXXX XXXX Complaints Planning and Reporting Barclay Executive Office XXXX XXXX XXXX XXXX, DE XXXX Subject : Bait and Switch Credit Card Application Dear XXXX XXXX : On XXXX XXXX Flight # XXXX XXXX XX/XX/XXXX, an attendant promoted application for the AAdvantage Aviator Mastercard and gave my partner and me each an application form which he said we could fill out on-line once we are home, which we both did. Logging on to MyAviatorCard.com we both opened the application website where it clearly stated in two places that the first year annual fee of {$99.00} is waived. No problem for my partner who received his card and statement without a fee. I, however, received my card and statement showing there was a {$99.00} annual fee, account ending in # XXXX. 

I immediately followed up on XX/XX/XXXX, talking with Tambla ( sp? ) and XXXX who both said they could not help me and that it could take up to XXXX billing cycles to clear this up. I stated the promotion ended XX/XX/2024, therefore this would not be acceptable. Case # XXXX was supposedly set up. On XX/XX/XXXX I spoke with XXXX ( ID XXXX ) who stated there was nothing they could do about removing the {$99.00} annual fee as that is how I applied. I pointed out, and asked him to even go on-line to the XXXX web site and see what comes up as I have done it numerous times and in each case the opening frame states in XXXX places that the {$99.00} annual fee is waived for the first year. ( I even did it again today. ) I pointed out I would never have applied for the card if I saw the fee was not waived for the first year as it states in the application received in flight, confirmed by the attendant, etc. The response was the web site offers can change and there is no way the fee can be waived. A written response received states in part .theres an annual fee billed to your account as the application channel like booking path have different introductory offer on the account Therefore, I am formally filing a Bait and Switch Complaint with the federal and state agencies that oversee financial institutions including Barclay Bank . I just dont understand how Barclay could not honor its promotional materials by saying offers change on the web site. I am not stupid and would never have applied if it showed the fee was not waived. Again, my partner, sitting next to me on his computer, logging in to the same web site from the brochure, got his fee waived. The {$99.00} fee now is not my major concern and it will be paid, but my major concern is bait and switch and the refusal to honor an honest application by saying offers change.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
USPS TRACKING NUMBER XXXX Delivered XXXX, PA XXXX XX/XX/2024, XXXXXXXX XXXX Transunion failed to open an investigation of dispute that was sent via certified mail. Transunion made the letters disappear as if it never exists, with no communication. 
For identification, a notarized and signed document, a state Drivers license, a social security card, and a utility bill was provided. 

Dispute letter delivered XX/XX/2024 Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXXXXXX

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 2024-02-22 00:00:00
Product: Prepaid card — Gift 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:
Received egift card from work for {$300.00}. Has never worked at any retailer online or in person. I have spent hours trying. Have tried contacting American Express and after waiting for a half an hour they said I just need to keep trying. I have tried at XXXX, XXXX, XXXX online, and even in person stores and every time it is canceled. I don't have time to continue trying and failing. Company offered no help and now I can not get anyone on the line. American Express is very disappointing. I think they might be trying to get people to give up and hoping that they forget about their balances on gift cards. I don't want to do business with them anymore, nor would I consider ever getting their credit cards when there are better options.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-02-22 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Light in XXXX, I applied for a credit card from XXXX XXXX XXXX. When the card arrived I realized that it did not have the benefits. I expected and called Capital One to close it. I received a letter dated XX/XX/XXXX saying that we are happy to tell you that your identity fraud investigation is now closed. We found the account to be fraudulent and you were not held responsible. I was totally flabbergasted and contacted the number on the letter to correct the information. 

I explained the issue in detail to an agent who put me on hold for a significant time, only to come back and tell me that the account cant be reopened. I repeated myself, saying, I had no interest in reopening the account but but I wanted the reason for the closure corrected. She again put me on a lengthy hold, then once again repeated that the account couldnt be reopened. At this point, I was losing my patience, and sternly repeated what I expected and followed by telling her if she couldnt address it then I wanted to speak to a manager. She came back a third time, and essentially told me the same thing so why demand to speak to a manager. To that she replied I can transfer you, but I cant give you an estimate of how long the hold will be. I waited on hold for 10 to 15 minutes, then gave up. She returned my call saying the manager asked her to and would be right with me. I agreed to wait and after a few minutes the manager came on the line. At this point, I had to explain the entire situation over again, because he refused to acknowledge what I was saying. he also stated that there was nothing they could do so. My next step is to file this complaint. 


** I destroyed the cards when I closed the account and only have the last four digits that were included in the letter. However, it also includes a case number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
My previos car I had was a XXXX XXXX XXXX, and I had that for about a 1.5 years before refinancing my car. My car was totaled in XXXX, and at that time my credit was low due to my credit cards being maxed out, and I was in the process of paying them down. Which now my credit score is over XXXX, and will be going up more, because I just paid on all credit card a big chunk. I was forced to get another vehicle. When I went to the dealership, and told them my situation. I told them I wanted to be put back to where I was before my car was totalled. I was shown a XXXX XXXX XXXX. I finacned it for XXXX and something, and the interest rate is 25 %. It shows on my credit I am paying over 26 %? From the beginning when I first got the car there was a lot of problems. The dealership had the car for a very long time. I think for over a month, because the dealership paid my first carpayment. With all the bad things happening with the car I told them I didnt want the car anymore, and wanted to back out of my contract. which it was still in my time frame to do so, but i was denied. I have had this car for i think like 15 months now, and I still owe on my car what i owed on it when I finaced it. XXXX XXXX shows I am neg 3 % on my car payment. how is that even possible.? I have read that Santander Consumer USA was in a lawsuit for this same thing. They wont let me refinance it, and when i went somewhere else to refinance i was told that i owe too much on this. They gave me this car with a very very high interest rate hoping i would default, and they are making it impossible to even pay on my car. i tried to change my due date on my car payment, and they wouldnt even let me change it again due to a 21 Day policy. They are applying fees here and there, only a small handfull of payments something was put towards the car payment, but aside from that my car payments have all went to the prin. They are making it vertually hard for me to keep this car, and I dont understand how i still owe so much on this car. I see that they were in a lawsuit before for this same reason, and when i XXXX trying to figure out how i can get out of this mess, i found that they had a class actions suite against them. I found a number to call to talk to someone about the lawsuit, I called the number, and the recording gave me another number. i called that number and it was an attorney, and i am assuming that he handled the last lawsuit, and he advised me to come on here and file this complaint. I have no idea what else to do or where to turn, but the amount of stress and tears every day isnt something someone should have to go through, and this is fraud, illegal activity, and should be stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my profound frustration and anger regarding the inaccurate reporting of my credit information by XXXX. It has come to my attention that there are significant errors in my credit report directly attributed to XXXX 's mishandling of my account information. 

Your company 's failure to ensure the accuracy of the data being reported has resulted in serious consequences for my financial standing. This is completely unacceptable. 

I demand immediate action to rectify these inaccuracies and restore the integrity of my credit profile. Your negligence in this matter has caused me undue stress and inconvenience, and I will not tolerate any further delays or excuses. 

I expect XXXX to take swift and decisive steps to correct the errors on my credit report and provide me with confirmation of these corrections without delay. Additionally, I demand compensation for the damage caused to my financial reputation as a result of your company 's negligence. 

Failure to address this matter promptly and satisfactorily will leave me with no choice but to explore all available legal avenues to seek redress and hold XXXX accountable for its actions. 

I trust that you will treat this matter with the urgency and seriousness it deserves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I noticed several hard inquiries on my credit report and I never authorized them. I was merely speaking to someone about interest in a vehicle and 14 Inquiries are now on my report. I contacted Trans Union to report this XX/XX/XXXX and they said to file a complaint and mail a copy of the complaint along with a letter describing which inquiries need to be removed. They are still applying for vehicles almost 2 months late, 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 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

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 2024-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I filed a claim with BofA on XX/XX/year> for an atm error in amount of {$500.00} from a XXXX atm. I did not receive the funds. On XX/XX/year> I called to enquire about the temporary credit for the {$500.00}. I was told that I never filed a complaint and that I would have to file a new complaint on XX/XX/year> and wait another ten days for possible credit. I filed the dispute originally on XX/XX/year> and verbally gave the dispute to BofA over the phone. They confirmed they had record of the dispute but insisted it was cancelled. This is in clear. Violation of reg e. Its been 13 business days since original dispute was filed and Ive not received a credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I was on the XXXX XXXX website when I found out that Portfolio Recovery Services was suing me for a debt. I sent the company two emails, and a written notice requesting a validation of the debt with the original creditor so that I could start a payment plan if it was legitimate. The company has yet to send the letter after several attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Company performed a hard inquiry that I need removed immediately unless they provide proof of my authorization.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2024-02-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief