vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-26 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: Santander Consumer USA Holdings Inc.
State: DE

Complaint narrative:
I noticed inaccurate information on my credit reports and I've disputed them with the credit Bureaus. It's been over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate & unknown information on my credit report be validated. To this date it has been 60 days and I still have not got a rebuttal of any kind in regards to this matter. I am sure that I am being taken advantage of and being totally ignored of my disputes. Section 611 ( a ), Says that a failure to investigate these items within a 30 days gives an immediate removal of these items from my credit report. In my case it has been over 60 days, so it should be deleted instantly. I also sent a follow-up notice after I informed them that they were reporting inaccurate information. I demand that these items be deleted immediately or I will file litigation do to the stress that it has caused me. My information was impacted by the XXXX  data breach and may have been compromised as a result.

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 2021-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
I paid off loan # XXXX for a XXXX XXXX on XX/XX/XXXX, I have not received the title for this car, I was told that the title was maile to the state of Alabama. The state says they do not have the title. 

My Profile Contact Details First Name XXXX XXXX XXXX Last Name XXXX XXXX XXXX XXXX XXXX Email XXXX MY ACCOUNT SummaryDetailsStatements Vehicle Description XXXX XXXX XXXX  VIN # XXXX Customer Name XXXX XXXX Current Amount Due {$0.00} Total Amount Due {$0.00} CHECK PENDING PAYMENTS Last Payment Amount {$5000.00} Last Payment Date XX/XX/XXXX Principal Balance {$0.00} Contract Date XX/XX/XXXX Payment Due Date XX/XX/XXXX The principal balance on your account is the amount unpaid on the account, but does not include interest or other charges. This is different than Payoff amount. 
AUTOPAY Say goodbye to stamps and checks. Say hello to ease and convenience. 

Sign up now YOUR DEALER ( XXXX ) XXXX XXXX XXXX XXXX PhoneXXXXFax.XXXX Visit dealer website OUR COMPANY CONTACT US FAQS CAREERS SITE MAP FIND A DEALER TERMS & CONDITIONS PRIVACY POLICY

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 2021-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2021 Transunion LLC added a debt from XXXX on my credit report. This was already removed from XXXX due to it not being my debt. I demand that this item is removed off my credit report immediately or I will have to file for litigation.My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2021-01-26 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: ID

Complaint narrative:
There is a creditor that I have listed in my complaint in which I have no idea who it is, or how they got my information. I don't know this account whatsoever and I demand that it needs to be removed immediately. I contacted this company and I am not getting any responses from them, nor do I have a signed contract with them. This needs to be deleted asap!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: ID

Complaint narrative:
There is a creditor that I have listed in my complaint in which I have no idea who it is, or how they got my information. I don't know this account whatsoever and I demand that it needs to be removed immediately. I contacted this company and I am not getting any responses from them, nor do I have a signed contract with them. This needs to be deleted asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had 3 credit cards with Capital One. All in good standings. A platinum, spark and XXXX for many years. In XX/XX/XXXXXX/XX/XXXX2020, I changed bank accounts and the auto pays went through my old bank account. After I received notice of this, I quickly called and rectified the situation to bring my account current. The next day Capital One closed all my accounts! Not only that but raised my interest rates ( they are different every month ) and I am not able to use these cards but still have to pay them monthly with extremely high rates during the entire year with NO WORK! They disabled their email contact forms, and the wait times for phone calls was over 8 hours. The unbelievable amount of unanswered complaints has lead to full Internet forums including joining class action lawsuits. My credit score dropped over 100 points and Im still paying my monthly payments just being able to cover the interest! This is so wrong and unethical on so many levels! These cards were meant for food and supplies during this time! One card I had for 15 years and only had that one late payment! Please Help! They need to be held accountable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: CITIBANK, N.A.
State: UT

Complaint narrative:
On XX/XX/2020 ; I purchased 2 tickets to fly to XXXX via XXXX XXXX for XX/XX/2020. I attempted to contact the carrier while I was still within their refund window. Ultimately I spoke to someone at XXXX XXXX who told me that despite the airlines refund policy ; since XXXX XXXX had rescheduled the flight- the transaction was no longer refundable. Since air travel was closed between the United States and the XXXX XXXX ; I was unable to take the flight. 

I enlisted Citi card to help resolve the issue, as the charge was on my Double Cash card. After more than a month, I received a notice telling me they wouldnt be refunding the money. I did not receive an explanation, an invitation to appeal, or contact seeking more details on the transaction. I feel that I was scammed by XXXX XXXX and later by Citi card for failing to refund my money per the Contract of 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 2021-01-26 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: GA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate & unknown information on my credit report be validated. To this date it has been 60 days and I still have not got a rebuttal of any kind in regards to this matter. I am sure that I am being taken advantage of and being totally ignored of my disputes. Section 611 ( a ), Says that a failure to investigate these items within a 30 days gives an immediate removal of these items from my credit report. In my case it has been over 60 days, so it should be deleted instantly. I also sent a follow-up notice after I informed them that they were reporting inaccurate information. I demand that these items be deleted immediately or I will file litigation do to the stress that it has caused me. My information was impacted by the Equifax data breach and may have been compromised as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital one app changed autopayment from minimum due XXXX on XX/XX/2019 to XXXX $ On XX/XX/2019 which was cancelled. Capital one app then adjusted autopay to XXXX $ a month on XX/XX/XXXX and XX/XX/XXXX, which was less than minimum due. Never received a phone call or notification of change in payment amount. Capital one then proceeded to mark with late payment inquiry without any chance to fix the situation. App will still change from minimum payment due to XXXX $ A month. I contacted capital one multiple times and was hung up on or told it could not be changed. I need these late payments to be removed ASAP as I am not at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XXXX  XXXX 2020, I transferred $ XXXX from my Bank of America checking account to my XXXX brokerage account. My Bank of America account activity displays the transfer following a confirmation number. However, my XXXX account activity shows the $ XXXX was credited on XX/XX/XXXX, immediately following - $ XXXX. I was told by XXXX that the transfer was unsuccessful due to missing information and should've been refunded back into my Bank of America account. Bank of America eventually told me that the funds landed with XXXX, an institution I've never heard of and am not affiliated with. I asked Bank of America for details regarding the XXXX account that holds my funds, but they said I'll need a subpoena to request the details of the account. XXXX will not provide any details unless I have an account number. I've exhausted all avenues that are available to me. I've been in contact with dozens of representatives but these are the two that I've e had the most contact with : XXXX, XXXX XXXX XXXX extension XXXX, Bank of America, 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 2021-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
XXXX XXXX serviced by LoanCare, is constantly late with their statements. The issue I have now is I made payment in late XX/XX/XXXX for payment due XX/XX/XXXX. Payment still not posted and I try to call to discuss. They are non-responsive. Can't get through to anyone. Have made +10 calls in the last 10 days. Online inquiries go unanswered. Now they are assessing fees. They say to call back in low volume hours but I call morning, afternoon, night, and weekends and no one answers and force you to limited choice online experience with NO option to speak with someone in customer service. What options do I have?

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 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MRS BPO, LLC
State: MD

Complaint narrative:
I contacted two different collection agencies XX/XX/XXXX and XX/XX/XXXX about the collection attempt for XXXX XXXX. Neither one has back down from Collection attempts after sending letters to the agency. XX/XX/XXXX contatcted XXXX XXXX Bankruptcy division and the rep was not knowledgeable about her job. The supervisor told her to not transfer her to me because she was getting off early.. 

The first letter was from XXXX XXXX XXXX XXXX MN dated XX/XX/XXXX. the second letter was from MRS Associates XXXX XXXX NJ Dated XX/XX/XXXX XXXX.forwarded from the very last address that we had service before we totally resolved our relationship with XXXX XXXX  XXXX XXXX  is not a reputable company very bad experince with hem and their collection agency. I am XXXX rs old. I do not work I get a very very small pension

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26 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: LendUp Loans LLC
State: CA

Complaint narrative:
I am writing to FLURISH INC DBA LENDUP agency because I am having difficulties with buying a house and applying for new credit cards. I paid the account and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting FLURISH INC DBA LENDUP agency to remove this account from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
Opened new XXXX Synchrony Bank MasterCard account on XX/XX/XXXX. Promotional offer : Spend {$500.00}, first 30 days, and receive a statement credit for {$150.00}. Spent {$440.00} on XXXX & {$1000.00} on other purchases. Paid balance in full XX/XX/XXXX. Three telephone calls, FTC complaint ( XXXX ) filed on XX/XX/XXXX, and receipt of Bank disposition letter on XX/XX/XXXX. CS feedback : Promotion offer was to spend {$500.00} on XXXX. This term is not reflective on sites TOS ; appears to be deceptive trade practice. I had met all prerequisites ; the bank should honor the {$150.00} statement credit offer.

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 2021-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Conn's, Inc.
State: TX

Complaint narrative:
CONN APPLIANCES , INC CONTINUES TO REPORT TO THE CRA 'S A DEBT THAT IS NO LONGER VALID, OVER SEVEN YEARS OLD. ITEM HAS BEEN DISPUTED NUMEROUS TIMES AS TO THE VALIDITY OF THE DATES AND REFUSES TO REMOVE ITEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX account ( XXXX ) still showing payment history innaccuracies The following inaccuracies are as follows : XXXX  and Equifax are showing different information when it comes to this account >>>>XXXX  Account # XXXX XX/XX/XXXX - 90 Days Late XX/XX/XXXX - 120 Days Late XX/XX/XXXX - 150 Days Late XX/XX/XXXX to XX/XX/XXXX - No Data XX/XX/XXXX - Closed XX/XX/XXXX - Closed XX/XX/XXXX - Closed<<<<<< >>>> >>>Equifax Account # XXXX XX/XX/XXXX - 120 Days Late XX/XX/XXXX - 120 Days Late XX/XX/XXXX - 150 Days Late XX/XX/XXXX - On Time XX/XX/XXXX - No Data XX/XX/XXXX to XX/XX/XXXX - On time XX/XX/XXXX - On Time XX/XX/XXXX - On Time XX/XX/XXXX - Closed <<<< I feel as though XXXX is not doing a real investigation on this matter because if they did, they would see these inaccuracies and delete this account from my report. I have clear proof of all my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2020 I was defrauded out of {$790.00} when calling what was said to be XXXX  customer service I was told my account was in jeopardy & needed me to do a XXXX  transfer that would bounce back. That was not the case I felt very uneasy about it & should have listen to my gut the man instructed on me what to do & press I was under major stress & thought I was doing the right thing. Within an hour I contacted my bank & told them I believed I was being defrauded. I was right, they tried twice saying they messed up the first time. The Bank stopped the second but refuses to refund me for the first although I have screen shots of the banks message saying it would be reviewed since it wasnt a normal action on my part. They denied my claim twice. I am not a rich person & during a pandemic its caused so much stress & mis-trust in myself & Bank of America. They claim to protect their clients but me & thousands of others have been taken advantage of because of 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 2021-01-26 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
target is reporting a balance but target sold my debt to a 3rd party debt collection company and i paid off the account with 3rd party, im asking target to update balance to XXXX balance Account name TD BANK USA/TARGETCREDIT XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recently submitted a request for investigation of these accounts list below, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate these accounts thoroughly enough the last time I submitted one. 
If you had investigated properly, rather than use your e-Oscar system, you would have known, that not only I have never file bankruptcy, but that I am not sure that these accounts are even mine though your company claims to have verified this. 
It is at this time that I will point out that in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX  ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 
If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter. 
REMOVE ACCOUNT 1. US Bankruptcy Court Account # XXXX 2. US Bankruptcy Court Account # XXXX 3. XXXX Account # XXXX 4. XXXX Account # XXXX 5. XXXX  Account # XXXX 6XXXX Account # 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