vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
This account is already PAID. I am seeing repetitive 30-day late marks which is a clear violation of the FCRA and it is severely affecting my scores. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have sent 4 letters to TransUnion attempting to get unverified information deleted from my credit file. I have detailed in all 4 of these letter how the reporting of this unverified and false information is in violated of the law under the FCRA. Under FCRA Section 611 ( 5 ) ( A ), " In General. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- 1. ) promptly delete that item from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 2. ) promptly notify the furnisher of that information that the  information has been modified or deleted from the file of the consumer. '' TransUnion has failed continuously violated this law, and has failed to delete this unverified information from my credit file. I have requested reinvestigations 4 different times, all of which result in them saying my credit report has been modified, but the unverified accounts have not been deleted. TransUnion and their negligent practices are detrimental to my success in advancing in my career field. At this point, it is downright criminal.

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 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently received my credit report I notice several companies inquires that pulled/ viewed my credit without my permission. I sent letters requesting removal of theses unauthorized inquires that did not have written or verbal permission to pull my credit. I have sent a letter to the companies and equifax to only receive a letter stating verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On or about XX/XX/2019, utilizing Certified Mail Receipt, No. XXXX XXXX XXXX XXXX XXXX, I submitted a Negotiable Instrument Promissory Note w/Instructional cover letter, in the amount of {$750000.00} , to Mr. XXXX XXXX, Chief Financial Officer XXXX Bank of America , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX ; Said instructional cover letter, in part XXXX advised/noticed Mr. XXXX the enclosed Negotiable Instrument, i.e. Promissory Note is to be 'DEPOSITED FOR CREDIT ON ACCOUNT OR EXCHANGED FOR NON-NEGOTIABLE FEDERAL RESERVE NOTES OF EQUAL VALUE ... ' and provided him the Account Number and financial institution where the deposit was to be made. USPS informed my package was delivered XX/XX/2019 at XXXX XXXX. To day/date there's been neither return of my Negotiable Instrument Promissory Note or response from Mr. XXXX XXXX, Bank of America, or other notice from anyone else regarding same.

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 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have purchased Experians Credit and personal monitoring Twice now Since I have been aware of Identity Issues with my name and Ss # And Both times it seems to not work. Also I have disputed several inaccuracies and nothing seems to work if I dispute something its back on my account within a day or so. And I know by law that they are to give you in writing a 5 day notice to let you know its going to be put back up to embarrass you or you can fight before it does. I have not been given that. Also my account was made by someone else I stumbled onto it. And Things have been happening That Im still trying to find out. They need to be more thorough with their monitoring system.And write or email the consumer about any new information that is sent to them to see if its accurate. Because Identity theft is A real struggle and its never ending Ive been compromised both times I paid for service and locked my account I feel so alone because they arent even helping me and to this very moment I have to change my password every day at least a couple times a day. XXXX XXXX P.S. Ive lost control of my last Email its gone!

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 2019-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am a US XXXX Veteran with an XXXX service record and XXXX. I purchased a XXXX XXXX XXXX from XXXX with an auto loan from Capitol One Auto Loan on XX/XX/XXXX with a comprehensive/liability policy through XXXX. All payments were made on time as outlined in the contract. In XXXX of XXXX, the car was totaled by a semi truck when the semi swerved impacted the front of my vehicle. I submitted the claim to my insurance company ( subcontracted through XXXX ). XXXX XXXX denied the claim, stating they had canceled my policy due to non-payment. The last payment on the loan was XX/XX/XXXX with a balance due outstanding. 

FACTS : Insurance ( XXXX ) was procured and set up on auto-payments deducted directly from the same ( XXXX ) checking account. XXXX failed to notify me ( user ) of certain changes in 3rd Party insurance providers ( subcontractors ), used old contact information from nearly 5 years prior, and never notified the LOSS PAYEE ( Capitol One Auto Loan ) of the lapse which resulted from a breakdown in communication. XXXX did not notify anyone until the claim for the total loss was filed. 

The loan required the buyer to maintain a comprehensive insurance policy on the vehicle for the life of the loan. At no time was the alleged lack of insurance or alleged lapse of coverage reported, and at no time was I notified by the XXXX or Capitol One Auto Loan of the alleged lapse in insurance coverage. This is in violation of the contract and agreement by the lender. The lender ( Capitol One Auto Loan ) failed to report the lapse. With the lender listed as loss payee on the vehicle, it is the responsibility of the insurance carrier to automatically notify the lender of coverage and any changes therein, as is outlined in the agreement terms of the contract. XXXX failed to notify Capitol One Auto Loan of the lapse, and neither Capitol One Auto Loan nor XXXX notified myself ( user ) of the lapse until after the claim was filed. 

I am not financially capable of paying this loan. I can not afford an attorney and I am considering filing for Chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
The online account for my Santander Bank credit card ending in XXXX got blocked when I entered the wrong password. I called the credit card company and the agent on the phone said that I would have to provide my valid id at a physical branch in order to reinstate my card. I explained to them that I do not live in a city with a Santander branch but the agent insisted that the only way to get back to my online account would be to provide my id documents at their physical branch. I live in Washington D.C. and the nearest Santander branch is in Delaware. Despite providing them with my full id information by phone, I do believe that the agent who blocked my account and stipulated physical id verification did so because of my name as it relates to my race and national origin. The agent had an aggressive tone from the beginning and told me that even though my answers match what they have on file she will block my credit cards. She said that if I could not go to a branch to verify my identity I could continue using my card and keep making payments by phone but my online access would be blocked until I went to a branch with id. However, this turned out to be untrue because I tried to use the card in question and found it to be blocked when I tried to use it on a web payment on XXXX. 
Upon calling back a second agent told me that I can send a notarized letter to them ( in which I certify my name and date of birth ) in order to reinstate my card. When I asked if I could be reimbursed for the cost of the notarization they refused. I felt really humiliated and somewhat wronged by the credit card company for simply wanting to use their card like a normal customer. I also escalated the call at this stage and spoke to a supervisor and although she seemed understanding and courteous she said that because my account has been blocked by the former agent I would have to go to a physical branch or provide the notarized letter that I described above and she would not be able to unblock it, she also could not commit to reimburse me for the cost of notarizing the letter that they need.

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 2019-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
The incident happened on XX/XX/16. I was at XXXX XXXX in XXXX. XXXX XXXX XXXX XXXX has been trying to collect the amount of {$1000.00}, but I have already paid this amount to XXXX XXXX XXXX XXXX. I have the " paid in full '' receipt from them that says I paid {$1100.00}. I also have showed them my bank account that shows the money was taken out from my account. XXXX is the agency that will not allow this to be processed as paid. XXXX and XXXX   both took this off my record, so I do not understand why XXXX  won't. Now, I have a new debt collector called, Debt Recovery Solutions, trying to make me pay {$640.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX and 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 explanation
Consumer complaint received 2019-10-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There was a transaction made with a company named XXXX XXXX in XXXX XXXX utilizing XXXX XXXX. I spoke to Bank of America the same day this occurred. I had to step out of class to give them a call since I got an alert on my phone. I lost my XXXX XXXX and had XXXX XXXX  linked to it. I made this very clear to the employee who was helping me. I received two letters stating that I had won this case and thought that this was over and done with. But a letter addressed to me, was sent out on XX/XX/2019 stating that they were unable to approve the claim even though I had previously won the claim. Obviously my XXXX XXXX was used by me in the past, but when I lost it, it still had XXXX XXXX setup and my card was still on it leading to this fraudulent charge. I would like the money refunded to my account for this.

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 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently received my credit report I notice several companies inquires that pulled/ viewed my credit without my permission. I sent letters requesting removal of theses unauthorized inquires that did not have written or verbal permission to pull my credit. I have sent a letter to the companies and transunion to only receive a letter stating verified. 


XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
I recently received my credit report I notice several companies inquires that pulled/ viewed my credit without my permission. I sent letters requesting removal of theses unauthorized inquires that did not have written or verbal permission to pull my credit. I have sent a letter to the companies and experian to only receive a letter stating verified. 




XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX  XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC
State: CA

Complaint narrative:
The incident happened on XX/XX/16. I was at XXXX XXXX in XXXX. Pendrick Capital Partners II has been trying to collect the amount of {$1000.00}, but I have already paid this amount to XXXX XXXX XXXX XXXX. I have the " paid in full '' receipt from them that says I paid {$1100.00}. I also have showed them my bank account that shows the money was taken out from my account. XXXX is the agency that will not allow this to be processed as paid. XXXX and XXXX   both took this off my record, so I do not understand why XXXX  won't. Now, I have a new debt collector called, XXXX XXXX XXXX, trying to make me pay {$640.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GreenSky, LLC
State: IN

Complaint narrative:
i called XXXX XXXX XXXX they stated they have financing, their sales agent took my information to do a credit check, they also applied for my loan while i was on the phone. i was told no payment would be due until after the building was completed, i was working on getting a 40 x 64 workshop from them. weeks later and we never signed a contract, XXXX the salesman i was working with just keep putting off having me sign a contract, I got a email stating there was recent activity on my account, i asked XXXX about it and he stated it was normal procedure, more time passed by and i get a payment due on the loan, still no contract signed at this point. i tried to get XXXX XXXX and green sky to fix this, but they refused. i told XXXX XXXX to cancel everything, they threatened me with a 15 % fee, i countered threatened them with a fraud charge. they notified me everything is canceled. today a few weeks later, i get a email that a payment is due in 5 days, i have contacted greensky that this was a fraud account because no contract was ever signed. green sky did not do anything after the first call to hold the account. i talked to a manager, still refused to file it as fraud, they are going to investigate the signature on the contract. which leads me you file this complaint, the date started was XXXX, the amount removed from the account is {$30000.00}, where is the money, dont know, XXXX last response to me is you call the company, im not your messanger. 
Green sky XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX http : //www.greenskycredit.com XXXX XXXX was called, they sent out XXXX XXXX their sister company to contract XXXX  XXXX,XXXX  XXXX XXXX, XXXX XXXX, IN XXXX Phone : ( XXXX ) XXXX

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