vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I submitted debt validate online on XXXX XXXX to capital 1, asking them to validate this debt. Or remove it from credit report. I don't feel like they validated it. The total was {$470.00}. And was contacted by a company called " XXXX XXXX XXXX. '' I have I idea who " XXXX XXXX XXXX '' is. I've made no contracts or agreements with them. 

XXXX XXXX Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried closing my account dont need your service please help me

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 2022-11-08 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: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2022-11-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Please note this is NOT A DUPLICATE complaint Marcus is refusing to let me withdraw my money. It has been 2 days and they keep lying and making excuses. I still don't know what is the status of my 2 wire transfer requests. They have verified every single bank from which the funds came in and still refuse to do the wire transfer or provide any status. 
On top of that they keep lying repeatedly on recorded lines that it will go out today or it will go out tomorrow morning. And the next day they repeat the same lies all over again. These lying degenerates think they are doing the clients a favor by allowing them to withdraw their own hard earned money. I have plenty of recorded calls to prove their lies. I was told yesterday that all verifications and done and they are " expediting '' the wire and it will go out yesterday. Of course, that was a lie. Then yesterday evening, I was told that it will go out at XXXX in the morning. Again a lie. Then this morning I was told that all verification is done and that it will go out today. It is already XXXX now and still nothing. Called and got a really evasive supervisor XXXX who said it is being reviewed. She was just reading form a script and kept repeating like a parrot " 1 to 3 business days ''. When I asked her, tell me the exact day and time, those 3 business days will be over, again no answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I am trying to purchase my lease from Kia. The dealership is not willing to honor the contracted price and is adding " extra fees '' not stated in the lease end purchase agreement.

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 2022-11-08 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: VA

Complaint narrative:
I've been working with them to remove a 30 day late that is on my account. The banks dashboard was being updated and I did not want to be outside because of covid so when I paid them XXXX XXXX XXXX said they would refund me my late fee and take care of the 30 day late. XXXX did refund me the late fee but the 30 day late is still showing up on my credit reports. XXXX XXXX XXXX told me to dispute with Transunion, XXXX and XXXX and then they would remove it. I have done this about 7 times and they keep saying it's being verified but XXXX XXXX XXXX says they are not verifying the 30 day late. I have even written a letter to the XXXX XXXX XXXX about this issue. The 30 day late is on XX/XX/2022 2022

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 2022-11-08 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: NJ

Complaint narrative:
Good Afternoon, Below are disputed claims that are still showing on my report. I have no knowledge of these accounts. 

XXXX XXXX- {$1600.00} opened XX/XX/XXXX XXXX -- {$4900.00} opened XX/XX/XXXX XXXX- {$9700.00} opened XX/XX/XXXX XXXX XXXX - {$6600.00} opened XX/XX/XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX us dept of ed {$9500.00} XX/XX/XXXX XXXX XXXX XXXX- 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 explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I received an email to XXXX from Bank of America XXXX Reference Number XXXX. 

The email states, " We're sorry we can't approve your request for our XXXX XXXX XXXX XXXX. '' Facts : I did NOT apply for this credit card and want to make sure that nobody is applying under my name XXXX XXXX with last two of my SSN being 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 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Creditor sent letter stating that I have to contact each CRA to lift block, however each CRA informed me that they need a Credit Reinsertion Letter from Golden 1 to ensure that all 3 accounts are reported accurately.

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 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  the following companies/accounts have violated my rights ; 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : States that a consumer reporting agency can not furnish an account without my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-08 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I submitted debt validate online on XXXX XXXX to XXXX XXXX  asking them to validate this debt. Or remove it from credit report. I don't feel like they validated it. The total was {$470.00}. And was contacted by a company called " LVNV Funding LLC. '' I have I idea who " LVNV Funding LLC '' is. I've made no contracts or agreements with them. 

XXXX XXXX Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am cosigner on daughter 's loan. Chrysler Capital collection department is contacting me because they will not accept her last payment via autopay. Her pay off amount is {$3.00} different than her standard monthly payment. She is out of reach right now, and if she does not submit a manual payment, this loan will be put into default. When we sign for automated payment with Chrysler Capital, we expect *all payments* to be made automatically. This is how it works with all other car loans about which I'm familiar. This is a credit trap and it will impact both of our perfect credit standings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
A fraudulent auto loan was opened in my name and now Bank of America is reporting a fraudulent loan on my credit report.

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 2022-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Merchants Credit Bureau, Inc.
State: GA

Complaint narrative:
I have sent a total of XXXX notices to cease and desist to the credit collection company to stop contacting me via phone and to only contact me via mail on XX/XX/XXXX I sent the last notice via fax to Merchants Credit Bureau has continued to contact me they called me from their number XXXX on XX/XX/XXXX at XXXXXXXX XXXX est XX/XX/XXXX at XXXXXXXX XXXX est XX/XX/XXXX at XXXXXXXX XXXX est

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: CITIBANK, N.A.
State: IL

Complaint narrative:
This is more of a regulatory question than complaint per se. 

I have a Costco CITI Bank card credit card that I typically pay the balance off on a monthly basis and my payments are usually a week or more before the credit card due date. 

I manage my credit card through their online website and rely on their online statements and credit card homepage for all of my account information. 

On all of my other credit cards their website home pages show the Credit Card Payment due date and the minimum balance due. However the Costco CITI Back card website home page does not have this information on their website homepage. To find this information one must navigate to their payment web page. 

As I check my my credit cards on a regular basis I missed seeing this information on the CITI card site and ended up missing the due date. I did make full payment the next day ( One day Late ) and paid late fees and interest charges. I take full responsibility for making the late payment. 

My comment/ question is whether credit card companies are required by regulations to post this information on the home page for their website? I feel that by hiding the due date they are counting on individuals missing their payments and then collecting late fees and penaltys. 

Your feedback on this issue is greatly appreciated.

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 2022-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America has failed to release funds in a checking account held in trust. They are essentially stealing from my mother 's estate. 
XX/XX/XXXX BofA was notified of my mother 's death XX/XX/XXXX went to BofA financial center with death certificate, trust, certification of trust. Documents scanned and sent to Estate Services ( ES ) and confirmed by banker via phone. No additional documents required XX/XX/XXXX Called ES at XXXX and spoke with XXXX. They needed one last document. He said he would send link. 
XX/XX/XXXX Went to BofA financial center as link never came. Banker spoke with XXXX at ES. She stated that the only item missing was a new EIN and funds could be released in 6 days. 
XX/XX/XXXX Applied and received new EIN. 
XX/XX/XXXX Submitted new EIN letter from IRS to BofA financial center. Banker spoke with ES and they suggested that I fill out a signature card and submit, which was completed. 
XX/XX/XXXX called ES and spoke with XXXX. She said paperwork was incomplete on the signature card. The form that the banker had access to on XX/XX/XXXX was not the form they wanted. Went to financial center. Banker printed off the forms that were attached to the letter from ES dated XX/XX/XXXX. Filled out forms in front of banker and he faxed to ES at XXXX XXXX. 
XX/XX/XXXX called ES and spoke with XXXX. Filed complaint XXXX XX/XX/XXXX called ES and spoke with XXXX. One page missing from the fax. Per XXXX, I could fax that page with a cover letter to XXXX. 
XX/XX/XXXX faxed one-page document with cover letter to above fax number XX/XX/XXXX Called ES and spoke with XXXX. She said info from XXXX was incorrect as a single page was not sufficient and all the documents requested from XX/XX/XXXX needed to be resubmitted. She opened up complaint for the erroneous information provided on XXXX While on the phone with XXXX, she sent a link to the document center. I scanned and uploaded the documents and she confirmed receipt. 
XXXX Called ES and spoke with XXXX. All documents were in and under review. Monies should be available in four business days. 
XXXX called ES. Documents not approved as there was an issue between how my mom named me on the first page of the trust ( using my nickname ) and on the signature card, even though in the remainder of the trust and in all other documents, my birth name is used. Opened compaint XXXX, Per BofA it will be another 10 days before I have access to these funds.

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 2022-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Credit Collection Services is in violation of the GLBA. They have been notified of the non-compliance and they continue to willfully invade my privacy by disclosing my private- non public financial information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Over the past few months I have been received " pre-selected '' letters in the mail from Citibank claiming I was preselected for their " Double Cash back XXXX ''. After XXXX letters I decided to apply only for Citibank to decline my application, then they send me another letter shortly after with the same verbiage. Based on their letter I should be qualified for the card yet they denied me for reasons not listed on the XXXX page of the letter. My income ( attached bank screenshot from XXXX ) is more than enough based on their criteria. I feel that CitiBank is using deceitful tactics to get people to apply but then deny their applications despite saying that they've been " pre-selected '' and meeting their supposed criteria. I feel that Citibank is praying upon younger individuals such as myself by using words such as " your invited " pre-selected '' : '' invitation '' getting them to apply and potentially harming credit scores and adding inquires. If a person is " pre-selected '' then they should be screen for higher odds of being approved but not denied for again reasons not listed on their " criteria 's '' page.

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 2022-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Navy federal credit union is letting my money disappear, I filed a fraud claims and they say denied when i have had a breach .Someone is cloned my card .its letting transactions go thru at the same places, i deposit money and its gone and declines my transactios, duplicate atm transactions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Fay has placed {$170.00} in late fees because they claim that I have paid my mortgage late in XXXX XXXX and XXXX. 

My payments were all made on time. I mailed them on time, or paid them online on time. Fay insists on charging me for when the payments arrived vs, when I mailed them or authorized they be paid through my bank. 

Please help me get these unfair charges removed. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( Equifax ) credit report. My latest credit report shows ( 13 ) credit inquiry/inquiries that I did not authorize. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have not applied for anything therefore these inquiries shouldnt be on my credit report I havent given anyone permission to run or use my credit its my privacy right according to the FCRA.

Company response to consumer: Closed with explanation