vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I have a Macy 's charge account. I paid my bill in full which was due on XX/XX/2021, through my bank 's online bill pay service. They mailed a paper check to Macy 's on XX/XX/XXXX. Macy 's deposited the check XX/XX/XXXX. Macy 's has yet to credit my account with this payment despite my bank faxing a photo of the front and back of cleared check on four different occasions. I opened a payment dispute through customer service on XX/XX/XXXX. I even e-mailed XXXX with a picture of the cleared check plus my full name, Macy 's account number, and my phone number as recommended by customer service. The problem is that Macys keeps charging me a late fee plus interest charges even though they say that won't happen with disputed charges. I have to constantly call customer service and tell the whole story again and insist they reverse the late fees and interest payments. However, nobody can tell me if Macys has even received the documentation or when my dispute will be resolved. I think 90 days is much too long to hold my money hostage. This has created undo XXXX  and worry. I pay all my bills in full every month. On XX/XX/XXXX when I called customer service about this issue, they said they didn't receive my XXXX payment either and insisted I pay a steep minimum payment to keep my account from going into delinquency. I did. The next day, the XXXX payment ( all new charges minus the disputed amount from XXXX and all late fees and interest ) was credited to my account. So, when this is all finished, Macys will still owe me the {$73.00} minimum payment they insisted I pay. How can any reputable company keep money for so long without letting their customers know what is going on and keeping them informed? Especially after receiving all the documentation they need to track down my payment?

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 2022-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
A party on XXXX purchased an item and added shipping cost and paid via an electronic check. They paid with an electronic check in the amount of {$1300.00} on XX/XX/22. I was to pay the shipper directly, since the buyer was not going to be present. They indicated that they were donating the item to charity. 

I deposited the check for {$1300.00} into my XXXX account the same day. 

I was advised via XXXX XXXX to pay the shipper before they could pick up the item. I then paid the shipper {$1000.00} from my personal checking account funds via Zelle. 

My bank subsequently notified me XX/XX/22 that the check that I was provided in the amount of {$1300.00} was a fraudulent check. XXXX then reversed the deposited amount of {$1300.00}. 

I am now out {$1000.00}. I am a single mother of XXXX on maternity leave without pay. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Per the guidance of the Homeowners protection act. I mailed in the necessary request and payment to have my home appraised to remove PMI. I have made many improvements to my property after purchase, and its value has appreciated substantially. PHH mortgage is unwilling to honor my request to re-appraise, without any justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX XXXX I got a notification with '' changes in your credit score '' and I checked my credit score. It was dropped by XXXX points and I notice a new credit card was added into my account. I was shocked by the incident. Then I escalate the issue to XXXX and told them " Someone has applied for a credit card on my name ''. 

Based on the information they provided to me. I reached out to the bank and reported the fraud.

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 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have been working on getting my credit corrected and every time you call they tell you something different I can never understand what they are saying you send all the police report and documents they ask for on dispute something and when you ask about it they tell u they dont have it I had several reps hung up on the phone call and continue to put me on hold no one should be able to do this that has control of important information you tell them you speak English and nobody you talk to speak clear English it is so stressful doing all you can and the credit reporting company allows this with Covid-19 taking over it has been hard on the world and it needs to stop this company needs to be investigated on how the credit reporting is being done

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I was contacted for 3rd occasion since XX/XX/XXXX regarding to the same matter last XX/XX/XXXX. Radius Global Solutions # : XXXX ( reference number ) and reference invoice number XXXX A XXXX XXXX XXXXXXXX or XXXX is using my account number for XXXX XXXX which is ... claiming I have a debt service for XXXX XXXX dated XX/XX/XXXX and trying to bill me for XXXX the date prior date XX/XX/XXXX and after 2 more times, last one dated XX/XX/XXXX I did clarify with Radius Gobal Solutions LLC and with XXXX XXXX XXXXXXXX or XXXX, by the time I have my XXXX XXXX, XX/XX/XXXX I have medical Insurance and the XXXX XXXX was ordered by my PCP as preventive. A new dispute is been initiated with XXXX and his debt collector company Radius Gobal Solutions LLC

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 2022-02-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXXXXXX Credit Card with account # XXXX ), ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX {$2200.00} XXXX XXXX ), ( XXXX with a balance of {$1100.00} ), ( XXXX XXXX  ), ( XXXX  with a balance of {$3000.00} XXXX ) has violated my rights. 

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.

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 2022-02-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXXXXXX Credit Card with account # XXXX ), ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX {$2200.00} XXXX XXXX ), ( XXXX with a balance of {$1100.00} ), ( XXXX XXXX  ), ( XXXX  with a balance of {$3000.00} XXXX ) has violated my rights. 

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.

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 2022-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: OR

Complaint narrative:
To pay a contractor, I transferred {$2500.00} from my bank account to XXXX, and send the {$2500.00} to contractor. Then I transferred another {$2500.00} from my bank account to XXXX, and XXXX  didnt let me send it, saying {$7500.00} send limit reached. 
I contacted the customer service, which is only available over chat. They said my loading cash to app frol bank account counts as send limit. I asked them to reverse the transfer, they said they can do it free as a standard transfer and app shows get my money next Wednesday, 5 days later. If I transfer instantly, they charge {$37.00} fee. 
- XXXX is misrepresenting send limits, and counts incoming cash load as send limits, then uses customers money for 7 days, when send limit resets, XXXX uses the money with no interest bearing for the benefit of the customer. 
- If customer needs to get out of this lock, and wants the cash back into their bank account. XXXX  penalizes the customer by charging them a fee for getting the money back to customer account instantly, or forcing the customer keep the money at XXXX custody for 5 days, freeloading on the customers balance, and making customers money working for XXXX company, with no benefit to customer. 

I press charges for XXXX  misrepresentations, fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Hello, my name is XXXX XXXX and I have new and updated information about Equifax Information Services LLC. I have recently submitted a complaint about Equifax along with exhibits proving inaccurate reporting on my consumer report. I have exercised my right to dispute these inaccurate reporting however I have been receiving updated notifications that Equifax is still reporting inaccurate information. Please see the attached exhibit of " updated '' but nothing was updated. 

I am now exercising my rights to receive any correspondences regarding any dispute and my consumer file from Equifax/Equifax Information Services LLC electronically through the CFPB and no other form of written communication. 

This is regarding any dispute sent through the CFPB as well the correspondence sent through mail that was received on XX/XX/2022 at XXXXXXXX XXXX  Please see attached green receipt as exhibit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjust, a collection agent, has been reporting a monthly balance and failed to send verification and legal rights to collect the two alleged debt accounts and report them both to the credit bureaus. Also, there is inaccurate information being reported like no payment amounts, or dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I can't find the " guide to benefits '' which is specific to my Capital One XXXX XXXX XXXX XXXX It is not under my account information. Also, when directed by Capital One customer service to find it on their site, of the types of cards listed, my type is not included. I found a generic " Capitalone XXXX XXXX XXXX to Benefits '', but I can't be sure if it is specific to my card. After being on hold with XXXX for XXXX minutes, XXXX, from their digital department advises me to call XXXX. This information should be available from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX collection agency for XXXX  XXXX erroneously placed a collection account of {$510.00} for XXXX XXXX Account XXXX on my 3 credit reports ( XXXX, XXXX, and XXXX ) as per XXXX XXXX letter dated XX/XX/XXXX. 

Conversely, on XX/XX/XXXX XXXX sent me notification stating that final balance of {$510.00} for XXXX  XXXX Account XXXX have been TRANSFERRED to my current XXXX account. {$510.00} for XXXX XXXX Account XXXX is on my currenXXXX XXXX XXXX account. 

This XXXX XXXX collection agency account must therefore be REMOVED from my 3 credit reports ( XXXX, XXXX, and 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 2022-02-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX collection agency for XXXX XXXX erroneously placed a collection account of {$510.00} for XXXX XXXXXXXX Account XXXX on my 3 credit reports ( XXXX, XXXX, and Equifax ) as per XXXX XXXX letter dated XX/XX/XXXX. 

Conversely, on XX/XX/XXXX XXXX sent me notification stating that final balance of {$510.00} for XXXX  XXXX Account XXXX have been TRANSFERRED to my current XXXX account. {$510.00} foXXXX XXXX  XXXX Account XXXX is on my current XXXX  XXXX account. 

This XXXX XXXX collection agency account must therefore be REMOVED from my 3 credit reports ( XXXX, XXXX, and Equifax ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: LA

Complaint narrative:
I have been working on getting my credit corrected and every time you call they tell you something different I can never understand what they are saying you send all the police report and documents they ask for on dispute something and when you ask about it they tell u they dont have it I had several reps hung up on the phone call and continue to put me on hold no one should be able to do this that has control of important information you tell them you speak XXXX and nobody you talk to speak clear XXXX it is so stressful doing all you can and the credit reporting company allows this with Covid-19 taking over it has been hard on the world and it needs to stop this company needs to be investigated on how the credit reporting is being done

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 2022-02-19 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: SC

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB Management, a collection agent, has been reporting a monthly balance and failed to send verification and legal rights to collect the alleged debt account. Also, there is inaccurate information being reported like no payment amounts, or dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I Have New Updated Information On Pentagon Credit Union : I sent The Pentagon Credit Union an Notarized Affidavit Of XXXXruth for the 2nd time stating multiple violations and I responded back to their false statements via certified mail on XX/XX/2022 at XXXX and on XX/XX/2022 at XXXX Pentagon Credit Union received my Affidavit Of Truth. As of now I'm still demanding a response, a proof of validation, a proof of claim, details on what methods Pentagon Credit Union used to validate this alleged debt, and seeking my remedies which is owed to me from Pentagon Credit Union. In the attachments below is my Affidavit Of Truth and exhibits that back up my Affidavit Of Truth. Due to the failure of Pentagon Credit Union rebutting my Affidavit with an Affidavit they are now in default.

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 2022-02-19 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: CA

Complaint narrative:
On XXXX XXXX I got a notification with '' changes in your credit score '' and I checked my credit score. It was dropped by XXXX points and I notice a new credit card was added into my account. I was shocked by the incident. Then I escalate the issue to TransUnion and told them " Someone has applied for a credit card on my name ''. 

Based on the information they provided to me. I reached out to the bank and reported the fraud.

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 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I leased a vehicle in Oklahoma from a XXXX dealership. After a period of time we moved to XXXX area. The vehicle is a 2020 XXXX XXXX ( electric vehicle ). In XXXX a recall was place for all years of the bolt due to XXXX short in the battery system causing the vehicle to catch fire. Their resolution was essentially turning the vehicle into a paperweight only to be driven in town and left outside. At the time I was in a corporate apartment and was told I couldn't keep the vehicle inside so I had to return it to the dealership. I processed all the paperwork correctly in a timely manner. Here we are in XXXX and its still not resolved due to their incompetence. I have bent over backwards accommodating them and now my credit has been hit and they are telling me that if I don't pay them they will repo the vehicle and turn me over to repossession even though they vehicle is in their possession. I'm am at my whits end and my credit is suffering for a vehicle that I can not drive. I have since purchased another vehicle and can/should not be responsible for a manufacture defected vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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