vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022 I was contacted by XXXX  with XXXX XXXXXXXX XXXX which was a pre trial mediator regarding a debt with XXXX XXXX XXXX XXXX XXXX XXXX which I was not familiar with. She threatened that I would be served and would be taken to court. When I expressed that I did not have knowledge of a pay day loan and if she could give me more information she stated she did not have the amount of the loan that I owed and that she had no information on the company. She continued to raise her voice and say that she was going to look up my social and my credit to see if I had a fraud alert because I was not aware of this debt and as I did not have a police report or a fraud alert I would be liable and would be taken to court and served papers to appear in court. I am not aware of a loan with Check N Go and I requested more information ( amount, date, account number, etc ) and she refused to provide, she continued to yell at me and said I would be served and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
This is now the SECOND complaint since last month ... ..ALLY BANK is continuing it's harassment involving getting the Title to the van I paid off 16 MONTHS EARLY ... ..on the other complaint I received the usual sarcastic letter saying that they will ABSORB THE {$1.00} LOSS and told me that I have to go to the DMV to get the Title ... ..I stated in the first complaint that ... .I NEVER HAD TO DO THIS WITH THE OTHER FOUR NEW VEHICLES I PAID OFF OVER THE YEARS! They stated that in Missouri I just go to the DMV and do it there ... ... ... .ANOTHER LIE BY THIS BANK!!! I drove the 40 miles to the DMV office and they said ... ..THE BANK HAS TO SUPPLY THE TITLE ... .THEY JUST NOTARIZE IT AS OFFICIAL WHEN I BRING IT IN WITH THE LEAN RELEASE!!! This is the same type of run-around I've been getting from this Bank for THREE YEARS!!. 

ONCE AGAIN, CAN YOU PLEASE GET THIS POOR EXCUSE FOR A BANK TO SEND ME MY TITLE... ..IT 'S BEEN 8 MONTHS SINCE I PAID OFF THE LOAN. Again, if you go on line to the BBB or their Social Media pages, you will see that they do this OFTEN, especially for folks that pay their loans early or have some sort of dispute with them, as stated in the complaints. PLEASE HELP ME WITH THIS, I DON'T KNOW WHERE TO TURN.

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 2022-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
Not my account Paramount Recovery XXXX  not my account! Never received service not my state on residence

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC
State: NC

Complaint narrative:
A debt buyer is attempting to collect on a debt that is currently under fraud and being worked as an ID theft case with XXXX XXXX XXXX, and the credit bureaus. 

I do not owe MRS BPO LLC XXXX and they are attempting to collect on a debt that is not owed to them and a debt that I do not owe! 

They need to provide me with a WET INK SIGNATURE of a contract showing that I owe them money. 

Again, this company is a debt buyer

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There was a delinquent account report sent by Capital One ( twice in XXXX and twice in XXXX ). They Reported it 4 different times. When I contacted them, they said they had no record of these reports and that the account has always been in good standings. When I asked for a letter or email stating that, Capital One said that they could not provide me with that. They told me to contact the credit bureau and report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Accounts : - XXXX  Account # XXXX Late Payments for XXXX, XXXX and XXXX 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 non-monetary relief
Consumer complaint received 2022-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-10-13 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing to dispute all inaccuracies on my credit report with Experian.

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 2022-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I used XXXX to pay a rental deposit and the supposed landlord/property owner has now disappeared on me along with my money. I filed a complaint with US Bank who said they would be sending my paperwork to submit my Fraud case. After a week of having received not paperwork, I called back and was told I was denied. The person on the phone stated that it was my fault for sending money to someone I didn't know and that XXXX was not supposed to be for that. I did everything you are supposed to from going through a reputible company to find listings ( this was from XXXX ) to even verifying with the County Assessor 's office the that the owner 's names matched. I also pointed out that this was not unusual and that I had many potential landlords asking for even the application fee to come through XXXX. They didn't even give me an opportunity to submit my evidence, which included the property owner letting me know I would be immediately refunded if I chose not to rent from them. They did no investigation and just denied my claim. I was only given an email to submit documents, after I called and complained at the Bank after a week and so far have gotten no response to the documentation I submitted.

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 2022-10-13 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: Lendmark Financial Services
State: CA

Complaint narrative:
XX/XX/2021 Lendmark checked my credit score without my consent. 
They want to offer refinancing. I turned them down. I have a hard inquiry hit. 
This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: FL

Complaint narrative:
11 inquiries unauthorized XXXX XXXX- XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX I have never authorized theses inquiries, I have called Experian, XXXX and XXXX fraud department multiple times and they refused to delete these inquiries My previous address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I moved 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 2022-10-13 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
This is in regard to incorrect late payment status they have been reporting to several credit bureaus. Ive tried rectifying this matter through them but have been unsuccessful as they continue to incorrectly report the information. Specifically, they continue to report that my final monthly payment on my auto lease was XXXX days past due. This is XXXX XXXX false. 

The lease period ended on XX/XX/XXXX. The vehicle was returned on XX/XX/XXXX. All payments for the duration of the term were made through their web portal. For whatever reason they did not process this web portal final payment until XX/XX/XXXX, even though I made the payment in early XX/XX/XXXX. The reason they did this is not knownmaybe their web portal was not operating properly, maybe their staff was unavailable during the holiday season, maybe they simply didnt get to it until the first Monday back after the new year, which conveniently coincided with the lease end date of my vehicle. I also notice on the payment history that the transaction amounts of {$12000.00} was entered on that date as well as a refund AND payment applied of {$290.00}, so clearly someone there was messing with the numbers of payments that coincided with the exact date of me returning the vehicle. 

In any case I am requesting they immediately stop reporting that this payment was late to any and all credit bureaus. In the entirety of this loan this account was NEVER XXXX days past due, certainly not the final payment I made in XX/XX/XXXX. I have nevernot once been past due on any credit account I have ever owned. 

As you can see from the attachment, they applied the XXXX payment I made in XXXX AFTER the fact on the exact date I turned the car in physically. They dated it the XXXX ( same day ) then did some sort of refund... then added it back on. Someone screwed up and they were trying to get all the $ numbers to line up.

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 2022-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Bank account was remotely hacked. Bank neglected to stop unauthorized charges reported within hours of occurrence and still showing " pending ''. Guess is all XXXX insured..!! not really their money/problem ... subsequent claim for funds return has been denied.

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 2022-10-13 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: NC

Complaint narrative:
Account info Account name XXXX XXXX XXXX Account number XXXX Account type Account name XXXX XXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXX Account number XXXX Account info Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXX  Account number XXXX Account info Account name XXXX XXXX Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This company Wellsfargo has been harming my credit for over 6+ years now. I have tried to reach them to have a conversation about the last settlement they offered and they just keep on leaving me on hold or they dont pick up. Ive tried to reach them several times the last time I got in contact with someone and they kept on transferring me to different departments, and at the end of the day they ended up clicking on me just want to clear my credit so Im able to buy a home my first home, but this is hurting my credit at the moment I almost paid off all my debt and this is the only one thats hurting me really bad.

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 2022-10-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
I surrendered my lease back on XX/XX/XXXX and never received an end of lease bill. I called several times over the past 2 years asking for one so I could pay what I owed and I was told I needed to wait for a letter to come in the physical mail. 

According to their end of term invoice policy, I should have received an end of lease bill within 30-45 days of handing in my lease. I wanted to pay what I owed so there would be no issues later on. I kept calling over the next 2 years and was met with the same response that I had to wait. I never received any mail. 

Fast forward to this XXXX ( XXXX ), I received notice from my credit bureau that I had a delinquency on an account that was 30 days past due- it was XXXX and my credit score decreased by XXXX points. I have been in contact with Hyundai Motor Finance ever since that day in hopes of resolving this issue. After many, many phone calls, written letters, supportive documentation, and even a supervisor in support of my case ( she emailed the credit dispute department on my behalf ) I am still told that I am in the wrong. 

I have a strong feeling XXXX did not review all my letters, cell phone records ( as requested by the supervisor ), and recorded phone calls to XXXX over the last 2 years. 

XXXX did not abide by their policy and took advantage of someone who had never missed a payment and who was doing the right thing all along. 

*Please review ALL documentation as they state key dates, names, and evidence. Please take my concern seriously as this issue will affect my credit score for years to come.

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 2022-10-13 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: NY

Complaint narrative:
I have a credit card with Citibank Citi Cash Card. 
Citi bank made a mistake on their billing. 
They charged me twice for the same debt. 
I called them and they insisted there were no errors. 
This has been going on for 4 months, they did not send me any information about my dispute.These people still owe me {$1800.00}. 
I have not received any information with details of my real debits, the last statement dated XXXX XXXX a balance of {$2000.00}, according to my bank statement {$1800.00} was entered twice.

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 2022-10-13 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: AZ

Complaint narrative:
A loan of some type was charged off onto my credit report. The company is called XXXX XXXX. The account is costing me XXXX dollars in higher interest rates

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: AZ

Complaint narrative:
A loan of some type was charged off onto my credit report. The company is called XXXX XXXX. The account is costing me XXXX dollars in higher interest rates

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 2022-10-13 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX XXXX to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX 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 2022-10-13 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief