vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
On XX/XX/2021 I, consumer XXXX XXXX certified mailed Credit Acceptance CEO- XXXX XXXX an Affidavit of Truth along with a Cease and Desist letter informing them of the many violations against me. Credit Acceptance received each letter on XX/XX/2021. In the Affidavit of Truth letter I informed Credit Acceptance of the violations against me the consumer. Inside of my Cease and Desist letter, I informed Credit Acceptance that I'm now exercising my right of rescission, and I will retain possession of the property.

Pursuant to 15 USC 1635 : When and obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charges, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of recession, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. 

Within 20 days after receipt of this notice of rescission by federal law, you are required to return all money to me ( amount included in the Bill of Particulars ), and you shall take any action necessary to reflect the termination of any security interest created under our credit transaction.

Credit Acceptance did not disclose my right of rescission which is a violation of 15 USC 1635. Pursuant to 15 USC 1640, any creditor who fails to comply with any requirement imposed under section 1635 of this title, with respect to any person is liable to such person, ( 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) ) in the case of an action twice the amount of any finance charge in connection with the transaction Pursuant to 12 CFR 226.15 ( a ) and 12 CFR 226.15 ( d ) I've informed Credit Acceptance of their violations by certified mail delivered on XX/XX/2021.

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 2021-09-25 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Not updated information on old auto loan debt on credit report showing up as XXXX, I no longer have the auto loan on the XXXX XXXX XXXX is full paid off to Wells Fargo bank yet it shows old debt owed. Effecting my credit when it is in fact incorrect. I opened a dispute yet the dispute was closed & claimed incorrect which is false and ignorant because no information was collected from me to confirm the car or the bank, etc. I will be filling information and complaints directly to the source if this does not get fixed 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 2021-09-25 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I, consumer XXXX is holding Ally Financial responsible for reporting unvalidated information to all the consumer reporting agencies on my name. This is fraud and my consumer rights are violated as per 15 USC section 1692d ( 1 ), any alleged unvalidated remarks or debt furnished to any of the consumer reporting agencies is ruining my reputation, and it is defamation of character. Ally Financial continues to report incorrect information related to untimely payments which are incorrect and should be removed on my consumer reports. I have reached to Ally numerous times regarding this issue including the consumer reporting agencies but no resolution as of yet. I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.

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 2021-09-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I made a payment on XX/XX/XXXXfor {$70.00} that was returned. The payment showed as though it went through on that months statement. The next month it says it was returned so I selected to pay off my balance on the card entirely. Then apparently that didnt include the return payment fee. I was then charged 2 late fees interest and finance charges on the {$25.00} fee that didnt show up on my balance after a month it was supposedly returned when I made the payment by the due date and was told there was nothing they could do to remove the return fee and only removed one of the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: WI

Complaint narrative:
I had applied for a Discover Card and actually received the credit card in the mail. When I called to activate the card, the representative said it was still under verification. The rep. suggested there was an address issue pertaining to the spelling of my street name. I thought my conversation at that time resolved the issue. I never heard from Discover until today, as I received an email from Discover stating the account had been closed. I called today and spoke to a rep and then a supervisor and they indicated the account was closed and reported " closed by credit grantor. '' The account was never opened as I was unable to use the card. I don't feel Discover should be able to report this account as " closed '' when I was never allowed to open it even though I have the card in my possession. I feel the manner in which this card will be reported to the Credit Bureaus will reflect as derogatory on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2021 I tried to make a payment for the remaining balance on my Citibank credit card and it never went through. I used the same checking account for the payment that my auto pay was set up for and had never had a problem with that checking account for auto payments. The payment was for approximately $ XXXX and my bank account balance at that time was about $ XXXX, so the funds were available. After I realized that the payment hadn't posted I tried a second time on XX/XX/2021. When the second payment didn't go through I went into the Citibank website and deleted then reentered the payment account information thinking there was a glitch in the system. Then I tried a third time on XX/XX/2021 with the same results. I called Citibank and they said my bank wasn't letting the payment go through. I called my bank and they said nothing had gone through or been denied for any reason from Citibank and my bank statements reflect that information. After all this, I took time off of work to go to a Citibank branch and wrote a check for the balance and the check did post and I thought my account was paid off. 
Then I got another bill for {$160.00} for interest on the account for the time during which I was trying to make the online payments that didn't go through for some unknown reasons. 
My complaint it that I don't think I should have to pay this interest charge if it was an online payment problem in the Citibank system.

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 2021-09-25 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: FL

Complaint narrative:
I, consumer XXXX is holding XXXX XXXX responsible for reporting unvalidated information to all the consumer reporting agencies on my name. This is fraud and my consumer rights are violated as per 15 USC section 1692d ( 1 ), any alleged unvalidated remarks or debt furnished to any of the consumer reporting agencies is ruining my reputation, and it is defamation of character. XXXX XXXX continues to report incorrect information related to untimely payments which are incorrect and should be removed on my consumer reports. I have reached to XXXX numerous times regarding this issue including the consumer reporting agencies but no resolution as of yet. I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.

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 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later i have not received a response yet. I feel like i'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NC

Complaint narrative:
With references to the 2 complaints I have already made to CFPB, I have not received my refund up to this date. Twice, the company responded by providing me with the relevant information to collect my refund. 
The second complaint I made to CFPB, XXXX, from the Executive Resolutions Team, emailed, to advise me that I need to provide the relevant documents that will prove that I am in XXXX. I emailed all documents, which include : my Bank Statement to show evidence of the amount being taken out of my account, my Passport to show the Entrance Stamp on my time of arrival to XXXX. 
On XX/XX/2021, I received another email that reads " Please be advised that we have changed the payout destination of the transaction, Western Union processed a full refund including charges in the amount of {$500.00} equivalent to XXXX, with tracking number ( XXXX  ) XXXX. Your refund is available for pickup at any Western Union agent location in XXXX ''. 
Having received such an email, I went the same day to a Western Union location in XXXX and DID NOT get the money as the agent told me that a notification is saying " This transaction is under review '' I made a call to my local Western Union Headquarters and the representative responded by saying she made a call to the CORPORATE HEADQUARTERS in COLORADO and she was told that the money should be picked up in the US ''. 
WESTERN UNION!! I need an ANSWER NOW!!!! This is my THIRD COMPLAINT about my refund. I have provided XXXX, from the Executive Resolutions Team with all my documents and information of my being in XXXX. I need the Western Union in XXXX to get the information from the CORPORATE HEADQUARTERS in COLORADO, in order to release my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I had ongoing issues with payment portal on PayPals card and also had issues with calling. The payment portal would not load and kept giving me errors and when I would call it would say it was invalid. I though I had set up automatic payments so I could just not deal with spending hours trying to load in or call to make a payment each month but it didnt seem to have worked. I was then sent to collections with no warning and my card and account was removed from the app.

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 2021-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2021 I, consumer XXXX XXXX certified mailed Capital One CEO- XXXX XXXX an Affidavit of Truth along with a Cease and Desist letter informing them of the many violations against me. Capital One received each letter on XX/XX/2021. In the Affidavit of Truth letter, I informed Capital One of the violations against me the consumer. Inside of my Cease-and-Desist letter I informed Capital One that I'm now exercising my right of rescission.

Pursuant to 15 USC 1635 : When and obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charges, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of recession, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. 

Within 20 days after receipt of this notice of rescission by federal law, you are required to return all money to me ( amount included in the Bill of Particulars ), and you shall take any action necessary to reflect the termination of any security interest created under our credit transaction. 

Capital One did not disclose my right of rescission which is a violation of 15 USC 1635. Pursuant to 15 USC 1640, any creditor who fails to comply with any requirement imposed under section 1635 of this title, with respect to any person is liable to such person, ( 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) ) in the case of an action twice the amount of any finance charge in connection with the transaction Pursuant to 12 CFR 226.15 ( a ) and 12 CFR 226.15 ( d ) I've informed Capital One of their violations by certified mail delivered on XX/XX/2021. 

I do not authorize the repossession of the property. Repossessing the property is a violation of 15 USC 1692d ( 4 ).

I do not give Capital One permission to speak to a third party regarding this alleged debt as that would be a violation of 15 USC 1692c ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit card or prepaid 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: Chime Financial Inc
State: NM

Complaint narrative:
XX/XX/2021, I booked a flight from XXXX XXXX to XXXX XXXX XXXX XXXX using my Chime Visa credit card for the amount of {$1900.00} XX/XX/2021, The XXXX government extends its ban on international travel through XX/XX/2021, to slow the spread of coronavirus. 

I contacted XXXX regarding the travel ban and subsequent trip cancelation. The representative at XXXX promised the airline would issue a full refund in the amount of {$1900.00} XX/XX/2021, I filed a dispute with Chime regarding this matter and provided the dates of the disputed amounts, the name of the airline, and all the information that the bank requested. 

XXXX ( exact date unknown ) received a message in the app from Chime dispute department stating that they do not find an error occurred. 

XX/XX/2021 Received an email from XXXX claiming that they had already processed a refund. 
" Dear Mr XXXX, Thank you for your notification regarding flight XXXX of XX/XX/2021. 

Our records show that there was a chargeback on your flight coupon and we, therefore, suggest that you contact your bank. '' Kind regards, XXXX Customer Services XX/XX/2021, Contacted Chime to inform them that XXXX claims to have issued a refund on XX/XX/XXXX. Chime responded by sending me a copy of my XXXX statement. I asked Chime to reopen the investigation. 

XX/XX/2021 Received the following notification from Chime : Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Cancellation Date Error Reported : XX/XX/2021 Claim Amount : {$1900.00} Hi XXXX, We received your request to reopen your claim listed above. We have reviewed your request and we do not find that you have provided us with any additional information to consider related to your claim. We have reviewed our findings and we stand by our initial decision. We do not find that an error has occurred. We consider this matter closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been in forbearance since XX/XX/XXXX, thus allowing me 18 months of forbearance. However I have been told that I am only going to be able to get until the end of XXXX, 17 months. This is causing me to be at risk of entering foreclosure prior to my application for HOA funding being approved, processed and dispersed. Please help me with correcting the issue and extending forbearance until 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 2021-09-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I, consumer XXXX is holding XXXX XXXX responsible for reporting unvalidated information to all the consumer reporting agencies on my name. This is fraud and my consumer rights are violated as per 15 USC section 1692d ( 1 ), any alleged unvalidated remarks or debt furnished to any of the consumer reporting agencies is ruining my reputation, and it is defamation of character. XXXX XXXX continues to report incorrect information related to untimely payments which are incorrect and should be removed on my consumer reports. I have reached to XXXX numerous times regarding this issue including the consumer reporting agencies but no resolution as of yet. I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: EdFinancial Services
State: FL

Complaint narrative:
I, consumer XXXX is holding Ed Financial responsible for reporting unvalidated information to all the consumer reporting agencies on my name. This is fraud and my consumer rights are violated as per 15 USC section 1692d ( 1 ), any alleged unvalidated remarks or debt furnished to any of the consumer reporting agencies is ruining my reputation, and it is defamation of character. Ed Financial continues to report incorrect information related to untimely payments which are incorrect and should be removed on my consumer reports. For example, on one of my consumer reports, EdFinancial is reporting I was on time in XX/XX/2019 and 90 days late XX/XX/2019. How that be correct from being on time to 90 within 30 days? I have reached to EdFinancial numerous times regarding this issue including the consumer reporting agencies but no resolution as of yet. I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/21 Discover Financial Services added a derogatory mark on my credit report per checking my credit report from the 3 credit bureaus. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no form of written communication, contract, or signature for accused of this debt at all. A bill without a signature does not validate the debt and anybody can send a bill claiming it belongs to me. According to the FCRA Discover Financial Services has violated my rights as a consumer and I am requesting legal action to remove this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
Master Card has Virtual Account Numbers so you don't have to use your actual credit card number on the internet. For the last 5 days ( XX/XX/XXXX thru XX/XX/XXXX ), the numbers created are being declined when used. They never put out an alert that the system was not working or shut it down. Everything in the system seems to work, but the cards are declined. Even cards that were generated before the problems. I have talked to technical support twice ( after 15 min. of menus each ) and all they say is " there working on it ''. They refuse to shut down the site or put out a warning. They also refuse to agree to send out an alert when the Numbers are working again. This has led to overdue bills and missed sale prices.

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