vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-17 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: WA

Complaint narrative:
XXXX and Transunion are reporting incorrectly a collection in the amount of {$4800.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I had insurance coverage at the time and went to an in-network provider. This charge is in error and was covered. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I called Capital One on XX/XX/2020 at XXXX to downgrade my Savor credit card to a Savor One as I did not want to pay the {$95.00} annual fee for renewal ( The renewal date for the card was XX/XX/XXXX ). The  service representative told me that I could not downgrade to the Savor One card ( others lesser downgrade options were available ) but I was eligible to have the renewal fee waived once it posted. Since I was not charged an annual fee when I applied for the card, I triple checked this with the representative who even checked with a supervisor who confirmed that this was true. 

I called in today ( XX/XX/20 ) to get the fee waived. They told me that they would not refund the fee and that there was no way to tell if would have been waived until it posted. When I asked to talk to a supervisor, they refused and said the decision is final. 

I never would have kept this card without the assurances provided previously by CapitalOne that the fee would definitely be waived. If they had told me this in error, they should have corrected this mistake immediately or at least researched the issue. I feel that I was defrauded by CapitalOne in a predatory manner and ask that the {$95.00} fee be waived. 

Please request the phone logs and recordings from CapitalOne as they will prove my account of what occurred is correct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
Per letter of XX/XX/2020 to CFPB, Nissan Motor confirms that my husband 's bankruptcy was in fact correct. They have removed the trade line for him from all credit reporting entities. 

As our attorney confirmed today, same should be done to my credit report, this is NOT a charge off as being reported and Nissan continues to report late pays. The trade line should be removed as was done for my husband. The debt is one in the same! 

Prior to having our attorney file a complaint against Nissan Motor and  moving with litigation, I ask that it be removed from credit history as was done with my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
ALLY FINANCIAL has repeatedly ignored and did not verify or validate debt and continues to engage in collection activities on XX/XX/2020, a repossession company moonlight repossession contacted a unknown third party giving out my information and giving third party repossession information. 

On XX/XX/2020, sent my first letter dispute letter utilizing my UCC abilities in requesting additional information on the account and to this day I have not received no information regarding the documents requested as they state these documents are not legally binding to them attached. 

On XX/XX/2020, ALLY FINANCIAL received second UCC  dispute letter utilizing my ability and requesting documents as well as verifying information. Attached On XX/XX/2020, I sent another letter requesting payment information and the original instrument of indebtedness and to date no verification or document received. 
Attached. 

On XX/XX/2020 moonlight repossession hired by ALLY FINANCIAL spoke to a unknown third party regarding me and did not observe the reason they were present and entered the residential address property with no purpose and no contract between me and them. Attempting to collect on a debt for ALLY FINANCIAL. 

On XX/XX/2020 sent out cease and desist until purported debt is verified and validated attached. Again utilizing my UCC abilities. 

Ally financial is violating federal codes and ucc code being a financial institution Not marking the account as dispute however advised me Im committing fraud restricted my account and abilities and sending other agencies to harass me. 

Defamation of character Mail fraud Violation of the fair debt collection practices act Violation of fair credit reporting act All letters sent from me through certified USPS mail

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 2020-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
CITIBANK NIGHTMARE I'm in Hawaii and Citibank doesn't have a branch here. So I call their customer service department and was instructed to open online or with phone rep. After Opening account I was instructed to download and take a photo of check and submit. Check amount {$1000.00} After doing so.. 
I was told I'll be notified by phone or call back. After following up checking app I see deposit and first {$200.00} ..and dates of remainder amounts. After 3 days passed..my account was locked..called and was instructed I need to verify address and identity. After doing this ... my account was fine after 24-48 hrs.  Called back for update..it was blocked again by unknown Dept ( this is what fraud told me ). Tried to rectify problem.. I was told to hold  on why rep in fraud Dept try to see other party blocking my account. Then rep said she spoke with supervisor and block were removed..so I stopped by store and was told after trying to purchase that my card was declined. I kept getting the runaround. After last time speaking with fraud they claimed they removed the block from my account..but another block was on my account and they didn't know who put it there. I told them they had my address spelt wrong. And know one not once called me about these issues. So fraud claimed they couldn't correct my address and I have to speak with customer..they transferred me rather than bring them on the line. I ended up on hold again over 20 minutes So can some 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 explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
I applied for a credit card for XXXX through Comenity Bank in XX/XX/2020. 2 weeks later they sent me a letter in snail mail to send them copies of my driver license, social security card, and a recent bill. I thought this was very sensitive information to request and so I called to verify and they stated it was correct. I went ahead and mailed this sensitive information priority mail and called every other day to verify they received it because of how highly sensitive this information was. After 3 weeks from the time I mailed these documents, their mailing department put a note on the account stating they finally processed my information. I was told at that time over the phone that my application would be approved. 7 days later I received another letter stating my identity could not be confirmed. I attempted to call and no one from that department would speak to me to give me more information as to what was going on. I sent highly sensitive information and received NO COMMUNICATION except letters thru snail mail which did not provide proper information. The letter only stated if I wanted to contact them back to write them another letter thru snail mail. I do so and yet again I have heard nothing. I called today and now they are stating my application is closed because it is over 30 days which doesn't make any sense since everything has been on THEIR time and NO COMMUNICATION except random snail mail letters. I requested the company if they are not going to follow procedures then I want the hard credit report inquiry to be removed and my sensitive documents to be mailed back to me as they should not keep those records. This company needs to be reviewed on how they are handling applications, documents, and communication with consumers. My application should have never been closed due to identity as if there was any issues them their department should have contacted me with any questions. My address on my license has my previous home that I sold in XXXX ( which shows on my credit report ) and the bill I sent in with the documents showed my current address ( which also shows on my credit report ). This department did not follow proper procedures in researching/comparing my information properly with the selling and purchasing of my homes. No communication or followup on this process is a failure on their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I order a moving service to move me for {$50.00} per hour. The moving company asked for {$90.00} to deposit and I used CASH APP and sent the deposit. The moving company never showed up. I contacted CASH APP immediately. Two days later they said they already gave the money to XXXX XXXX and would not help me or provide his banking information so I can file a claim with his bank for fraud. 

I received their legal terms from their website regarding fraud. https : //cash.app/legal/us/en-us/tos VIII. OTHER LEGAL TERMS 1. Recovery of Funds You give us permission to recover amounts you owe by debiting funds available in your Cash App account or any other account you may have with Square. This may involve us making attempts to recover less than the full amount you owe to us. We might contact you or take other legal actions to collect amounts due.

You authorize Square to recover funds from you in accordance with these Service Terms and any other agreement you have with us, including if you owe amounts to us or for reason of fraud or illegal activity. 
You authorize Square to debit, charge, setoff against and otherwise recover funds from your Account, your Cash App Balance, any Eligible Bank Account or Eligible Credit Account, any connected Square Account, any Balance ( as defined in the Payment Terms ) or any Reserve ( as defined in the Payment Terms ) if applicable, and any payment instrument, linked bank, depository and other account registered in your Account. Your authorization will remain in full force and effect until the later of closure or termination of your Account, or the disbursement of all funds held on your behalf. 
Further, in the event that any attempt to recover funds from you should fail, your authorizations hereunder include your grant to Square of new, original authorizations to recover all or less than all of the amount you owe us or belong to us. You authorize Square to take the above steps without prior notice to you and irrespective of ( i ) whether we have made demand under these Cash Terms, the Payment Terms, the General Terms or any other agreement you have with us ; and ( ii ) whether the obligation is contingent, matured or unmatured. Your authorization hereunder includes all authorizations to take the above steps in complete compliance with the Network Rules and the NACHA Rules ( as defined in the Payment Terms ). You agree that your grant of the authorizations hereunder has the same legal effect as if you had signed a paper containing the same terms. 
If Square is unable to recover the funds by these means, Square may attempt to contact you or may take other legal actions to collect the amounts due, to the extent allowed by applicable law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My Lease was up in XXXX of XXXX with XXXX XXXX XXXX  and they require you notify them within 60 to 90 days if you are not going to renew. I called the apartment complex office in XXXX of XXXX to inform them that I would not be renewing my lease and asked the agent what was my next steps to confirming my decision, she told me I would need to email the the office or come in, with my work schedule I told her that I would have to email them with my decision and she said OK. Sometime in XXXX Leasing Agent XXXX called me asking me why I did not want to renew and I told her to review my email that was sent. XXXX tried to convince me to stay but I told her I would only consider if my demands were met, she never got back in contact with me to update me on my demands and I sent another email letting her know I was sticking with my decision to not renew. Now when I check my Credit report that have a balance of {$2000.00} for unpaid rent and they are stating I did not give proper notice which I did.

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 2020-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
After a year of vacancy my apartment I received An account on collection from this apartment I never received notification of debt, calls mails or Emails from this lease office to charge me the amount they are doing now This is affecting my credit a lot!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items form my credit report. 

XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX  XXXX {$210.00} XXXX XXXX  XXXX {$12000.00} XXXX XXXX  XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Company constantly calling about a person who does not own this number. Keeps asking for a person and I have told them multiple times this is not that persons number. They ask if I am that persons husband or wife. I ask how did they get the number, they repeat who they are looking for and that the calls are recored. I told them to stop calling this number for whoever they are looking for ... they keep calling and will not tell you how they got your number. 
Most recent XX/XX/20 - XXXX, XXXX, XXXX, XXXX, XXXX ( x2 ) cst XX/XX/20- XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Not my accounts reporting

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 2020-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Stenger & Stenger, P.C
State: OH

Complaint narrative:
XXXX Spoke to XXXX XXXX at Stenger & Stenger who was nasty and demanded the full amount of the debt- even though I have the right by law to submit a smaller amount to avoid garnishment. He was rude- talked over me, threatened me with a report to my credit and would not be polite or respectful to handle the matter professionally. He did his best to undermine my rights and stated that I had to use automatic debit in order to get a lower payment ( not true ). That's not fair. He is antagonistic and rude- when I was respectful and professional with him. I requested to speak to the attorney who filed the default judgement- and he wouldn't put me through. I also asked to speak to a supervisor ( No again. ) I have rights as a debtor- Stenger and stenger ignores such rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: MA

Complaint narrative:
Sallie Mae is the epitome of a company that the CFPB is supposed to protect borrowers from. Their interest rates are exorbitant ( borderline predatory considering a high percentage of borrowers are under the age of 21 ) and their " options to help '' the borrower will only leave you out of significantly more money than you were initially paying. I needed private loans because of a lack of assistance from the federal program, and having to pay for school by myself ; now I realize that I would rather have not gone to college than deal with Sallie Mae post-graduation. Their coronavirus response is nothing short of abysmal considering they are offering one month of forbearance while interest still accrues- leaving borrowers effected by this virus with an increased monthly payment. The entire coronavirus issue is completely out of borrowers control and they will be the ones footing the bill instead of a company with XXXX XXXX dollars in assets. My income is being effected by this and now I will be the one who gets hit the hardest because Sallie Mae lacks any sense of Corporate Social Responsibility. What this company is doing to borrowers is plain wrong and they will end up bankrupting borrowers rather than taking some initiative themselves. The greed of companies like Sallie Mae are unmatched by any other aspects of society and per usual they will be allowed to get away with whatever they please as they are a private lender. As somebody who works full-time with multiple part time jobs and is barely able to make payments I know a majority of people are in a much worse position than I am and even I am struggling. Allowing companies like Sallie Mae continue to thrive off others suffering is plain wrong and they will bleed borrowers dry until there is nothing left.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Nationwide Recovery Systems, Ltd
State: WA

Complaint narrative:
This is about a continued claim I already filed, about not even owing the money and going direct to the source. 
I have asked the credit collection agency to stop calling regarding this ( they were very upset about me going to original party about this ), they still have not sent any materials so I can even see information or contact information for original party! 
They keep calling even though every time they call they are told not to call me! He yells at me that he has every right, that I owe this money to them now, I always hang up. 

Here are dates and times all Pacific same day as reported originally just later : XX/XX/2020 @ XXXX XXXX  XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX ; XXXX XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX XXXX caller is using two different phone numbers XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Not my accounts reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: TN

Complaint narrative:
Not my accounts reporting

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 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I was part of the group effected by the Equifax breech. Because of this, I keep a close eye on my credit reports. Recently an AKA has shown up on my credit report for someone named XXXX XXXX XXXX year of birth " XXXX '' The only negative issue on my credit report at this time is number of inquires for new credit. What kind of information did this person need to be put on my credit report?

Company response to consumer: Closed with explanation