vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-03 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Hi On XX/XX/XXXX I refinance my car loan, I called the company and requested the 10 day payoff. Received the check and sent to the company to payoff the car loan XX/XX/XXXX. On or about, XX/XX/XXXX. I pulled up the account and noticed an amount still due. I was told at that time my payment was postmarked and received on XX/XX/XXXX, but not posted to my account until XX/XX/XXXX, and the payoff amount was now not only past the 10 day amount, but the amount given was incorrect. I advised them at this point that I was disputing the amount as I felt it was unfair, that I was given the wrong amount and also the payment was posted late. Which if it posted on the XXXX I am not sure why that was considered late. I advised the representative until the issue was resolved I did not want any late payment submitted to the credit bureau and followed up with a letter to their presidents office. In reviewing my account they have reported the balance of XXXX as a late payment to the credit bureau. I was contacted today by one of their representatives that said they had every right to report the amount as they deemed the amount as valid. I am not sure, but I believe when there is a disputed amount they are unable to report as late until the matter was resolved and I had a chance to make payment. I asked that they send me a copy of their policy and a letter stating that once I made payment they would clear any erroneous information from my file. The representative advised I would need to submit another letter to have the information removed and they would not guarantee the removal or provide me a copy of their policy. Is this legal???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: SD

Complaint narrative:
I found out that the account i paid off is not being reflected as such on my credit report so i contacted XXXX XXXX XXXX  ( the company i paid ) and they said that the original creditor ( XXXX XXXX is reporting the account incorrectly ) and that i need to contact them. the response i received from comenity bank is that i need to contact XXXX XXXX  in which i have already done. I am just getting run around while no one is updating or fixing the issue to reflect that the account was paid and not a charge off or whatever incorrect status they have it sitting in. I am resubmitting this complaint with the document that shows the account was paid and nothing owed so it should reflect a paid status on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I ATTEMPTED TO WITHDRAW MONEY FROM MY CITIBANK CHECKING ACCOUNT ( XXXX, NY ) ON XX/XX/22 AND WAS NOT ABLE TO DO SO. I CALLED COSTUMER SERVICE AND WAS TOLD BY THE FRAUD DEPARTMENT ( XXXX ) THAT THEY DECREASED MY DAILY LIMIT FOR WITHDRAWALS TO {$200.00} A DAY BECAUSE MY DEBIT CARD HAD BEEN " COMPROMISED '' AND THEY WERE GOING TO BLOCK MY CARD AND ISSUE ME A NEW ONE. I WAS TOLD THAT THEY NOTICED THE " COMPROMISE '' ON XX/XX/22 ; THEREFORE, I WAS UPSET THAT IT WAS NOW XX/XX/22 AND THEY FAILED TO NOTIFY ME OF THE " COMPROMISE '' OR THAT THEY DECREASED MY WITHDRAWAL LIMIT. I STATED THAT I RECEIVE IMMEDIATE TEXTS AND EMAILS EVERY TIME A PURCHASE IS MADE FROM MY ACCOUNT ; THEREFORE, I WOULD KNOW FIRSTHAND IF ANY FRAUDULENT ACTIVITY/PURCHASES WERE OCCURRING. I TOLD THE REPRESENTATIVE THAT I WANT MY DAILY LIMIT TO BE PUT BACK TO WHAT IT PREVIOUSLY WAS AND THAT I DID NOT WANT A NEW DEBIT CARD BECAUSE ALL OF THE PURCHASES AND WITHDRAWALS FROM MY ACCOUNT WERE ACCURATE AND MADE BY MYSELF. AS OF TODAY, CITIBANK HAS NOT GIVEN ME OFFICIAL NOTICE THAT MY DEBIT CARD WAS COMPROMISED AND HOW IT WAS COMPROMISED OR THAT THEY DECREASED MY WITHDRAWAL LIMT WHICH I FEEL I SHOULD BE ENTITLED TO. THIS IS THE SECOND TIME CITIBANK HAS SAID MY DEBIT CARD WAS " COMPROMISED '' AND I HAD TO GET A NEW DEBIT CARD EVEN THOUGH NO FRAUDULENT PURCHASES OR WITHDRAWALS WERE MADE THEN.

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 2022-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Financial, Inc
State: MI

Complaint narrative:
Complaint and QWR against ServiceLink On XX/XX/XXXX someone filed a respond to my XX/XX/XXXX complaint which implied that this respond was filed by ServiceLink , LLC employee. 
Please state the name of employee who prepared this response, his/her position with the Company and contact information such as mailing address, phone number and email, so I can contact this employee directly. 
The respond further implied that it was filed by ServiceLink LLCs agent, a corporation registered by Fidelity National Financial ( FNF ) lawyer XXXX XXXX on XX/XX/XXXX and operated by FNF employees XXXX XXXX and XXXX XXXX. 
The respond is incomplete, evasive and contradicts with ServiceLink prior respond filed on XX/XX/XXXX also by an undisclosed person. 
First, I asked ServiceLink to state if they knew that their name was being used to assert functions that Servicelink does not perform? Based on XXXX XXXX XXXX respond I conclude that Servicelink knew that their name being used to assert certain function that Servicelink does not perform Second, on XX/XX/XXXX ServiceLink said that it was retained by XXXX to provide a title report to XXXX. I asked if ServiceLink DID provide Title Report to XXXX for which ServiceLink was hired. My question was not responded. 
On XX/XX/XXXX ServiceLink stated that it was retained to perform title related activities. Please state ALL activities performed by Service Link in relationship to my property. 
Third, I asked why my documents need to be returned to ServiceLink AFTER they are recorded in XXXX XXXX instead of returning it to XXXX whose office is nearby ; and that ServiceLink is going to do with recorded documents. My question was not answered. 
XXXX, XXXX agent said that I need to talk to my lender about my modification. I dont know who is my XXXX. Please disclose the name of my creditor under whose authority XXXX hired XXXX to perform title related activities. Please state if XXXX XXXX retention was approved by BONY as XXXX for XXXX XXXX XXXX. Please disclose the name and contact information of XXXX authorized employee who hired ServiceLink , LLC As you know, corporations do not perform any services by itself, without involvement of individual employees. Please state name of XXXX employee who hired XXXX to perform title related activities. 

Preparing XXXX Report for my alleged Servicer is a subservicing activity for which XXXX must be authorized by my creditor and apparently PAID from my mortgage payments to perform this service for someone. Thus, this is subject to RESPA disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: CA

Complaint narrative:
To Whom it May Concern : Recently I viewed my credit reports and realized that there was a derogatory account reporting on TransUnion and XXXX. I have no recollection of ever opening this account and believe it to have been opened fraudulently under my name. 

I do have, and am very happy with, an open account with XXXX . My only concern is the account that appears to have been opened in XX/XX/2017.

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 2022-02-03 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: CA

Complaint narrative:
To Whom it May Concern : Recently I viewed my credit reports and realized that there was a derogatory account reporting on XXXX and Experian. I have no recollection of ever opening this account and believe it to have been opened fraudulently under my name. 

I do have, and am very happy with, an open account with XXXX XXXX My only concern is the account that appears to have been opened in XX/XX/2017.

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 2022-02-03 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: MS

Complaint narrative:
I contacted Transunion, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about inaccuracies on an account on my credit reports. I received no verification, corrections, or deletion as requested if actions weren't taken. They completely ignored me and blew me off.

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 2022-02-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I tried to fix this issue but experian keep covering the same issue this is a fraudulent issue last year XXXX XXXX  servicing took late fees and one month payments they claimed owe and I pay them to stop the harassment but I made it clear they had to provide the late fees documents. they never did up to now they haven't I noticed that experian is going along with this fraud by not getting proof of it I made a complaint against XXXX XXXX XXXX and the kind of fixed the problem but not XXXX XXXX servicing they robbed me more than {$3000.00} dollars in lies but no fixed yet and not only this is but XXXX XXXX servicing stated thai was late for some many months with no proof and I can't get a new morgage company or refinance because this fraudulent lies that experian keeps smearing lies about late mounts I made a complaint not log ago for the same issue but they sending me a letter today that they resulted the problem but tge haven't yet

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 2022-02-03 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: GA

Complaint narrative:
I have received an alleged debt collection notice from XXXX XXXX XXXX XXXX XXXX. I have requested a validation of debt on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX and have yet to receive a response. in addition, the Credit Reporting Agencies are claiming to have received a response but have failed to provide their method of verification. This has been detrimental to my credit report and score. I need to resolve this matter as soon as possible as this hindering my opportunity to secure reputable employment.

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 2022-02-03 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: GA

Complaint narrative:
I have received an alleged debt collection notice from XXXX XXXX XXXX XXXX XXXX. I have requested a validation of debt on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX and have yet to receive a response. in addition, the Credit Reporting Agencies are claiming to have received a response but have failed to provide their method of verification. This has been detrimental to my credit report and score. I need to resolve this matter as soon as possible as this hindering my opportunity to secure reputable employment.

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 2022-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: UT

Complaint narrative:
I AM A VICTIM OF ID THEFT. 
EQUIFAX INC EQUIFAX LLC EQUIFAX CONSUMER SERVICES ARE NOT FOLLOWING THE FCRA RULE OF LAW.

EQUIFAX INC. IS NEGLIGENT.

EQUIFAX INC HAS CAUSED DAMAGES TO MY NAME.

EQUIFAX INFORMATION HAS CAUSED DAMAGE TO MY FAMILY FUTURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX XXXX, 2022, I noticed my TD bank debit card was not in my wallet. I logged into online banking to lock the card and noticed a XXXX balance when the balance should have been over $ XXXX. It appears someone used my card with PIN at ATM machines every day until my account was drained. I have had this account for years and never had a history of using the ATM let alone daily to take cash. I am dumbfounded that the bank 's system did not notice daily ATM withdrawals. Furthermore, the thief appeared to be checking the balance causing a {$3.00} fee each time. How does TD banks fraud system not notice this activity and allow a customer 's account to be emptied? I am hearing impaired and while using Relay to talk to the first TD agent I was treated rudely and as if I was stupid. I was then passed onto the Fraud department and was treated very rudely. I am not a thief and I do not like the bank that I have been a customer at for years to treat me as such. I live between XXXX  and XXXX. I explained I have no problem getting a police report if XXXX  can do one over the phone as I am at my home in XXXX  at this time. The fraud department did not even say goodbye or give me any type of reference/case number she just hung up on the relay operator. Very unprofessional and if a proper investigation is not completed I will seek any and all actions necessary to have my funds recovered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-03 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: U.S. BANCORP
State: CA

Complaint narrative:
I have continuously tried to get US Bank Credit Card services to correct a late payment error that was reported on XX/XX/2020. 

I called in to ask for a COVID-19 extension, made a payment and the representative advised that she would acknowledge the COVID-19 hardship and put in a correction for credit reporting to current for XX/XX/2020. 

US Bank has failed to acknowledge the complaint, as they can not provide any proof of the recorded phone call I had with the agent in XX/XX/2020. 

I have also had a problem with trying to resolve a dispute on the same card, which I have filed a separate CFPB complaint regarding that matter. 

I want the 30 late corrected to current or I want a copy of the phone call stating that the call representative never stated she would fix it. 

-XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TN

Complaint narrative:
My Cash App issued debit card was charged {$350.00} on XX/XX/XXXX at XXXX. I initiated my dispute on XX/XX/XXXX where XXXX or XXXX ( two names were on that single email but both Cash App employees ) emailed saying the investigation was underway and that my card was blocked and for me to get a new one. I didnt hear anything for a month ( when I was suppose to be updated or given a credit after 10 days ) so I asked for a update on XX/XX/XXXX and XXXX stated they had 45 days from XX/XX/XXXX & that XX/XX/XXXX was only day 37, still no credit. I reached out again on XX/XX/XXXX since thats 45 calendar days from XX/XX/XXXX and a lady on the phone said I had to wait until the following Thursday ( XX/XX/XXXX, today ) since the holidays wouldnt count towards the 45 days although XXXX had clearly counted them. I reached out today and XXXX provided me the same generic message saying my dispute was escalated and someone will reach out. I am tired of waiting on my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio Recovery Associates, L.L.C. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX To : The XXXX XXXX XXXX XXXX for Portfolio Recovery Associates, L.L.C. 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith and return transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Portfolio Recovery Associates , L.L.C., has invaded my individual privacy under 15 U.SA 1692 A. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair Practices By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries and incorrect information has been diligently neglected by Experian. Besides, the inaccurate information about my inquiries and personal information are still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries and incorrect information that are still reporting on my account : Inquiries : XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Updated 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 non-monetary relief
Consumer complaint received 2022-02-03 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: CA

Complaint narrative:
XX/XX/2021 transunion read my identity theft dispute letter and witnessed my police report. They ignored the laws of the FCRA 605B and 604 which is against the law. This company still reports this fraudulent account in my credit report even after showing them proof and informing them that this is legal to report fraudulent information on my report. The fraudulent account is XXXX XXXX XXXX Please remove this account

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