vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I was sold a powertrain warranty on a XXXX that had after market tires on it when I purchased the vehicle. My XXXX  is in the shop because of powertrain malfunction and half of the work was approved and performed prior to the inspector coming out for the claim when they found more wrong with the engine. The inspector denied my entire claim because of the modified tires that were sold to me with the warranty. The dealership I purchased the vehicle through did not mark the lift kit box when sent in to warranty company and on the warranty it says will not honor if modified before, after, or during sale. They sold me a modified vehicle with a bogus warranty added it to my loan and charged interest. My XXXX  is now stuck in the shop with XXXX worth of work. I denied the heater core work that needs to be fixed as well that is XXXX to fix. I took it first to the shop the dealership told me to always take it to 3 times and they told me nothing was wrong with my XXXX  after they installed my radiator incorrectly. I got a second opinion and multiple things were wrong. I was paying out of pocket for half of the work and the warranty was going to cover the rest. Now it is still in the shop while I come up with XXXX more after paying XXXX at the recommended shop who most likely knew my warranty was not any good being in cohorts with the dealership and their warrantys.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This vehicle was involved in an accident and determined to ne a total loss. XXXX insurance has made several attempts to contact XXXX XXXX and settle remainder of debt. Loans has been paid in full and should reflect that on my credit report.

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 2024-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/XXXXXXXX  my husband and I opened an account with Citizens Bank in XXXX XXXX We deposited XXXX cash and a check from one of my husband 's clients in the amount of XXXX dollars. A few days later we received a notice from the Fraud and Claims Department saying, " Some of the information on the check is not consistent with other information on the check. '' They said they would release the funds on XXXXThis did not happen. When I called the Customer Service department, they said they would be released the next day. The funds were not released. We received a second letter saying the funds would not be available until XX/XX/XXXX for the same reason. Both of these notices were signed by the fraud department. When we spoke to a supervisor at Customer Service, they said all Citizen funds had to go through the Federal Reserve and it was being held on their end and there was nothing they could do about it. I called the Federal Reserve, the representative was adamant that no, they had nothing to do with holds on private accounts- ever. He gave me your number and said for me to contact you right away. That the longest they could hold our money was 8 days. We have since learned that the only way the bank can hold your money is if they believe it's fraudulent. We also learned from the Citizens customer service supervisor that she is dealing with calls like ours every day. Multiple times a day. I have been online and seen complaint after complaint of customers going through this very thing. My husband, XXXX XXXX, who the check was made out to, is a Fraud Examiner, and believes this is a pattern and practice. If the deposit is over a certain amount, its just flagged by the fraud department in order to hold a customers money as Citizens is under pressure to increase their liquidity. This, according to reports on XXXX news. Finally, we contacted the bank the check was drawn on and they sent us a copy of the check that had cleared on XX/XX/XXXX. Before they even sent the first letter, they had the funds. We have a picture of the check. There were no inconsistencies on the check. When my husband tried contacting the banks compliance officer the number provided didnt even ring, it just clicked. He finally contacted the man on linked in. He said he had left Citizens four years ago. He believes this is a pattern and practice, which constitutes fraud and that a criminal referral should be made to the FBI. I just need our money. I have a mortgage and an XXXX mother who I help support. I would appreciate any help you can provide. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
This is day 2 of asking for my money and interest accumulated to be returned to the original bank account. I need my funds released or get in contact with the power to do so in a week. I have contacted my local news station on your terrible customer service and unethical lockdown of my funds. I will be sending a complaint every day until this is resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Reference Case # XXXX ; Loan # XXXX Shellpoint Shellpoint avoided responding to our main complaint. Our previous complaint accused Shellpoint as the root cause for the two late payments. We accepted Shellpoint 's offer to miss two monthly mortgage payments ( appreciating our Hurricane Ian suffrage ). Shellpoint kept secret their intent to report our two approved late payments to the Consumer Reporting Agencies ( CRAs ). We were not informed of this credit reporting risk as being part of their deferment request process. We followed their procedures and we were told to continually wait for their review process to conclude. 

Shellpoint stated in their response that we had not paid XXXX and XX/XX/2023 payments. That is not true. I'm providing proof that Shellpoint was not truthful ( see XXXX Mortgage payment statements ). 

I spoke with XXXX XXXX and he understood that Shellpoint did not inform us that they would report us to the CRAs despite being active in their deferment process. I told XXXX that were we to have been informed, we would not have accepted their offer. XXXX agreed that this case deserved a second look by management. He apologized. I was made to believe that they would grant us our relief ( simply reverse the CRA report ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a long running dispute over a series of charges made on my Citibank mastercard. 
My issue was with a charge made with XXXX XXXX of XXXX on XXXX and subsequently on XX/XX/XXXX of XXXX. I errred when using their online app and wound up charged three times ( {$1900.00} ) for my annual service of {$640.00}. I was instructed to contatc the merchant for a refund. Merchant said they would process, but did not tell me there would be a credit of {$1200.00}. Because of that, I initiated a dispute with Citibank. They did provide me with an account credit of {$1200.00}. Unfortunatley, their recovery from XXXX coincided with a return provided by the merchant resulting in a double dip. XXXX recharged, without authorization the {$1200.00}. 

I asked to dispute this, both by using Citi 's online system and through their actual reps to no avail. I've been attempting to address this with Citi to no avail and received a notice that I will have to pursue resolution on my own end/by other means. 

Please help

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 2024-02-07 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:
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. 

XXXX XXXX XXXXXXXX Acct # XXXX 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, 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This Account payment dates are different and not acurrate please remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions 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. 

XXXX XXXX XXXXXXXX Acct # XXXX 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, 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This Account payment dates are different and not acurrate please remove

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX, I have mailed out XXXX different dispute letters to Experian and XXXX yet again i have received an email XXXX XXXX from Experian disregarding my dispute letters yet again. by law this is wrong on all levels. I can't get no loans, new credit, or lines of credit because of the inaccurate information they are housing or may I add illegally furnishing. month after month I try writing them of these things and to my surprise I get turn down or have to result to making complaints of this matter and I'm getting tired of the back and forward with me having to take matters like this to get heard. this is disappointing and a violation of my rights under the consumer law. I will upload the two letters I sent and they response back. XXXX is the only reporting agency that took me seriously and took all negative items off of my consumer report when writing to them of the inaccurate information. XXXX and Experian are not following the rules of the law and delaying me as giving me the run around and now I'm taken legal action 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 2024-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I explained accounts were over 9 to 15 plus years old, and were settled back then, and law states after 7 years they should be deleted, I asked them to prove the debt was active and actually mine, they couldn't, I asked them to remove it as it was 9 years old

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: PENTAGON FEDERAL CREDIT UNION
State: MI

Complaint narrative:
On XX/XX/2024. As I was on my 30 minute lunch break. I get a knock on my door and the guy said he was taking my car. I was unable to get items out of my car. I begged him not to take them car. Been homeless for almost a year. He tells me I had 14 days to get my car and personal items. I wasnt given any information who to contact. No phone number nothing. I had to return to work! With tears in my eyes and feeling something just not right. That next day I called my bank Pentagon Federal Credit Union asking question 's. They gave me the number to the Repo company XXXX XXXX  ( XXXX. How the Repo company refused to give me information. Told me to call the bank back. Same story its 3 weeks and I have received NO information about my car, my personal belongings and Pen Fed as already did a charge of on my car. I have no answers!

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 2024-02-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested for the following inquiries to be removed form my account which either I do not recognize or have any open accounts associated with. They were removed from one bureau but still persist on my XXXX and experian reports. Please remove this inaccurate information immediately.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: NY

Complaint narrative:
I had a credit card of U.S.Bank. Last XXXX ( XXXX ) I found out that someone using my card information and I reported my fraud case and asked closing my account as soon as i found it. But after 6months, I still a blance mail from us bank and found out my crdit score is degraded. I called us bank and they told me that they just pending my fraud case and not processing my request so that's why I still got the blance mail and degraded credit score. I want to solve this issue and get back my original credit score Please help me get back my original credit asap

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 2024-02-07 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This agency has two illegal reports on my credit report. I have disputed so many times with no results, XX/XX/XXXX - XX/XX/XXXX are the dates of open accounts reported by this agency which is illegal along with my personal information which they purchased

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This fraudulent despicable company closed another complaint without addressing the issue and giving explanations that are ridiculous AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Auto insurance was fraudulently used/opened in my name and creditor kept renewing policy even after I transferred insurance companies and requested a termination of contract.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation