vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I've been a Capital One credit card customer for over 15 years. It's unbelievable that although I've pleaded for assistance, no reasonable options have been provided due to Covid19. In the beginning of the pandemic in XXXX state shutdown, I requested payment assistance on all four credit cards with Capital One due to Covid19 unemployment. I was denied assistance on three of the Capital One cards, which caused the accounts to be in default. Rather than offer assistance, Capital One put restrictions on my accounts, and continued to charge late fees and high interest rates. Two of the cards ( XXXX and XXXX ) have been permanently closed due to Capital One failure to provide assistance. 

When I requested assistance several times for the closed accounts, Capital One representative informed me that there were no payment assistance available for my cards. Yet, the website contradicts this statement, and other cardholders were provided with deferred payment due to Covid19 ( see attachment ). Although Capital One provided deferred payments on the Walmart Capital One card, the delayed payment accumulated into an outrageous monthly payment ( {$720.00} min. ), with interest and late fees. I received an email from Capital One offering to work with me only with the Walmart credit card, but not one offer on the other cards were offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom this may concern : On XX/XX/XXXX, TransUnion received my follow up letter via certified mail ( see attachment ). This follow-up letter was in regards, to my fourth letter dated XX/XX/XXXX, regarding your refusal to delete unverified information and unauthorize inquiries from my credit report. As of today XX/XX/XXXX, TransUnion has not responded to my request. 

Despite five written requests, the unverified information listed in my letters still remains on my credit report. By not replying in a timely manner to my fourth letter dated XX/XX/XXXX ( which you received on XX/XX/XXXX, via certified mail ), and my fifth letter dated XX/XX/XXXX ( which you received on XX/XX/XXXX, via certified mail ), TransUnion has not only violated federal law ( Fair Credit Reporting Act section 611 ) but has also failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. 

As TransUnion has now violated federal law, by not properly investigating and responding within the required timeframe, and I have evidence, via certified mail receipts, TransUnion must now promptly DELETE all unverified, unauthorize, inaccurate, or incomplete information from my credit report. 

Below are the unverified accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Below are the unauthorized inquiries : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/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 explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
I was contacted  at the end of XX/XX/2020 by XXXX XXXX ( a debt collection agency ) from XXXX, FL stating that I owed a debt. I promptly sent them a letter days later within the 30 day window requesting verification of the debt because I did not believe I owed the money requested. I never received a response back from them in accordance with federal consumer protection statutes. I followed the statutes in attempting to get this dispute resolved but the company did not seem to care. Months later I found out that XXXX XXXX contacted the credit score agencies in order to mess up my credit score. They were not allowed to do that without verifying the debt was mine which they did not do. This company is in violation of federal laws and should be disciplined as such. I would like this issue to be resolved so my credit score can return to normal. Thanks!

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 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Despite sending two dispute letters, via certified mail, regarding two XXXX XXXX XXXX accounts, on XX/XX/XXXX & XX/XX/XXXX and uploading supporting documentation via Experians dispute, showing on time payments deducted from my bank account, Experian continues to state inaccurate late payments that never occurred, are verified. Experians refusal to correct clearly inaccurate information is in violation of federal law, has significantly damaged my credit score and has had significant, unfair and unnecessary financial and emotional repercussions. My credit score has unnecessarily dropped nearly 60 points and I can not acquire needed credit during a catastrophic pandemic. Per FCRA, Experian is required to have a copy of original documentation ( a consumer contract with my signature on it ) as required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ). Furthermore, despite two requests via certified mail, Experian has failed to provide the method of verification under 611 ( a ) ( 7 ). Per section 611 ( 5 ) ( A ), Experian is required to promptly delete all information that can not be verified. Please be advised that this is my third request and final warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights, seek relief and recover all monetary damages that I may be entitled to under 616 and section 617 regarding your willful and negligent noncompliance.

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 2020-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX Inquiry  Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2020-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
I went on a trip with family XXXX XXXX until XX/XX/XXXX and vacationed at XXXX XXXX XXXX XXXX XXXX. Upon checking in, per the hotel policy, they would authorize my card for the full amount of the reservation ( {$1900.00} ) and at check out I can choose to pay with cash or use the card on file. Well at checkout I paid with cash and was provided a receipt stating so. After about a day or so, I noticed that the amount of {$1900.00} was no longer pending in my " Current '' cards transaction and it changed to a normal purchase. Assuming it was the fault of the hotel i contacted the XXXX XXXX XXXX XXXX XXXX XXXX in regards to the " authorization hold '' and they said that sometimes it can take up to 3-7 business days for the charge to disappear. I waited the full estimated 3-7 business days and per the hotel, the authorization had been released and the offered to email me the receipt of my stay which states cash and stated that there is no longer anything else to do on my their end. Before disputing the charge i contacted " Current  '' about the transaction and asked if there may be an additional delay on receiving back the " authorized '' amount. Even after telling them that i spoke with the merchant they told me to contact the merchant again. so i did so. Got in touch with the corporate office after a few days and again received the response that the amount had been released and should already be available to me. i contacted " Current  '' again about the merchants response and i received a disconnected chat! they have no answering service to speak with someone unfortuanetly. i contacted them again and was directed to file a dispute. I filed the dispute on XX/XX/2020. waited a few days and then checked with " Current '' for an update, they stated that a dispute can take up to 90 days and with 10 business days i MAY receive a temporary credit. Lastly, submit any supporting documentation. I submitted that documentation on the same day which was XX/XX/XXXX. I have waited the full 90 days and still NO response. i have been contacting them for the past few days and they say they dont have an update on my dispute even though it is past the required time to have a dispute resolved. We are now at 110 days AFTER filing the dispute i have provided my receipt and still have no refund and i am reporting this company for theft of my money or failure to communicate any dispute results with me. The amount of my dispute is {$1900.00}. 

XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: AFNI INC.
State: FL

Complaint narrative:
On XX/XX/2020 AFNI added a derogatory mark on my credit report per XXXX  XXXX. Upon further research, this account was transferred/sold and am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can say its mines. According to the FCRA AFNI has violated my rights as a consumer and I'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG HOLDINGS INC
State: MO

Complaint narrative:
They are misleading and very intrusive with there buisness I have not paid the first payment nor will I make any payment they are accessing all my private info on my phone and accessing info and charging people way more then what the items are worth and making transactions that are not agreed upon cause they are misleading and disguising there fraudulent scheme through there agreement policy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX i sent in a dispute letter to Experian. On on XX/XX/2020 at XXXX XXXX. in XXXX, TX sign by an individual name XXXX. I waited a whole month and never received a response. On XX/XX/XXXX i sent in a non response letter to Experian and on XX/XX/2020 at XXXX XXXX and individual signed off on the certified letter I sent in. I called Experian on numerous occasions to ask did they receive a letter and on both occasions they denied they received the letter even though i have proof of receipt. On XX/XX/XXXX I sent in another dispute letter sent certified mail and it was delivered on XX/XX/2020 at XXXX XXXX. Once again I received no response. On XX/XX/XXXX i filed a complaint to the CFPB and on XX/XX/XXXX i received a response from Experian saying my complaint was fictitious and they feel that I didnt file this complaint and i was told I should send in another complaint to their company even though thats what I was doing in the first place. Since XX/XX/XXXX experian has been engaged in numerous stall tactics and for this company to label my numerous complaints as fictitious is appalling and disturbing at most. Even though I supplied numerous of signed certified letters, signed by an experian representative i still got a response that my complaint was not summited by me. Because of this experian has caused a significant amount of stress due to incorrect information being reported on my credit report. I cant use my VA Loan or get any type of new credit due to this unfortunate situation. For experian to continue on with their stall tactics shows they have no respect for the law or dont care to even investigate the issue levied against them.

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 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Despite sending two dispute letters, via certified mail, regarding my XXXX XXXX XXXX  account on XX/XX/XXXX & XX/XX/XXXX, and uploading supporting documentation via Transunions online dispute portal, showing on time payments deducted from my bank account, Transunion continues to state a inaccurate late payment that never occurred, is verified. Transunions refusal to correct clearly inaccurate information is in violation of federal law, has significantly damaged my credit score and has had significant, unfair and unnecessary financial and emotional repercussions. My credit score has unnecessarily dropped nearly 60 points and I can not acquire needed credit during a catastrophic pandemic. Per FCRA, Transunion is required to have a copy of original documentation ( a consumer contract with my signature on it ) as required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ). Furthermore, despite two requests via certified mail, Transunion has failed to provide the method of verification under 611 ( a ) ( 7 ). Per section 611 ( 5 ) ( A ), Transunion is required to promptly delete all information that can not be verified. Please be advised that this is my third request and final warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights, seek relief and recover all monetary damages that I may be entitled to under 616 and section 617 regarding your willful and negligent noncompliance.

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 2020-11-30 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This company is reporting negative items on my credit report that are either inaccurate or not even mine! I contacted them for a solution over 60 days ago and I still havent gotten a response. I have attached my letters and my identity documents for confirmation.

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 2020-11-30 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: NY

Complaint narrative:
UNATHORIZED FRAUD ACCOUNT 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 2020-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc.
State: CA

Complaint narrative:
Dear Ladies and Gentlemen, due to the COVID-19 hardship we had requested to lower the amount of our monthly car payments with Carmax Finance. On the phone, the representative had told me this was no problem at all, that we should just pay what we can. 
However, after paying only {$100.00} last month XXXX XXXX XXXX, we received a letter from Carmax stating that our amount is past due and a late fee charge was also added and they are also threatening now that they may report this information to the credit bureaus if the payment is more than 30days late ( which it will be on XXXX ). This should not belegitimate during a pandemic where people loose their jobs, work less hours, have to stay home to homeschool children and do not have the money to pay all bills, especially after this was discussed with Carmax before and we were assure it would be ok to make any payment we are able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This company is reporting negative items on my credit report that are either inaccurate or not even mine! I contacted them for a solution over 60 days ago and I still havent gotten a response. I have attached my letters and my identity documents for confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This company is reporting negative items on my credit report that are either inaccurate or not even mine! I contacted them for a solution over 60 days ago and I still havent gotten a response. I have attached my letters and my identity documents for confirmation.

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 2020-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I advised the company on XX/XX/2020 that I would be making my payment that was due on XX/XX/2020 on XX/XX/2020. I made the payment in the morning as I stated I would. Later in the afternoon I called to make sure that USAA Bank where the funds were and transfered to USAA Bank where the loan was. The first person I got after the Notice this is attempt to collect a debt I got XXXX XXXX in Florida. XXXX advised me after much haggle unless I gave him my phone number or email. He refused to transfer me to a supervisor and is also working for a third party hired by USAA to collect debts. XXXX would not disclose the name of the company the address. 
I then called back to get XXXX XXXX who would not transfer me and when she did get a supervisor they would not talk to me because I was not verified. She also would not disclose the name of the company or the phone number she was working for. 

The above individuals with intent would not disclose the name of the company they worked for under the Fair Debt Collection Act. Unless I gave them my phone number, Pin number and SSN. USAA is unwilling to talk to anyone and anyone that is hired to do the work for them does nothing to identify themselves other than the first name. 
USAA has come up with a lot of rules and does not send them in large print as they have been asked several times and when you complain they leave a short message and unwilling to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation