vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
Received notice loan was past due around the first of XXXX. Thought it was a scam so we threw it away. One Main Financial sent a new request dated XX/XX/2022, stating that the current balance on this loan was {$10000.00} and they offered a " settlement offer '' of {$5300.00}. I have zero loans on anything. I pay cash for everything and have the last 40 years. I only have two credit cards, which are paid in full monthly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
Please see below the summary of the accounts that are needs to be correct or update immediately. 
XXXX XXXX XXXX Balance {$11000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$3100.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$18000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$2100.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$10000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$5600.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$8000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$4200.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$940.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$6900.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$6200.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$16000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$14000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$6200.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$4100.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$3400.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$11000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$25000.00} XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
Please see below the summary of the accounts that are needs to be correct or update immediately. 
DPT EDXXXX XXXX XXXX {$11000.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$3100.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$18000.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$2100.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$10000.00} XX/XX/XXXX DPT ED/XXXX XXXX Balance {$5600.00} XX/XX/XXXX DPT EDXXXX XXXX XXXX {$8000.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$4200.00} XX/XX/XXXX DPT ED/XXXX XXXX Balance {$940.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$6900.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$10000.00} XXXX XXXX, XXXX DPT EDXXXX XXXX Balance {$6200.00} XX/XX/XXXX DPT EDXXXX XXXX XXXX {$16000.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$14000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$6200.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$4100.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$3400.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$11000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$25000.00} XX/XX/XXXX 2007

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 2022-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I owe synchrony bank money from past credit cards and they are attempting to collect a debt by repeated phone calls daily and refuse to give me correct information about my debt and constantly ask me for information regarding my son, phone number etc ... and they are spoofing calls by repeated number changes to attempt to reach me after I've continually and repeatedly have blocked them. Wrote them letters, emails etc ... to cease and disiss. It's constant and daily.

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 2022-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Peterson Enterprises, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I received a notice from Valley Empire Collections. They claim an original amount due of {$630.00}, {$640.00} in interest charges, and a total amount due of {$1200.00}. They offered to reduce the debt by 30 %, if I paid in full by XX/XX/XXXX. The case number listed, XXXX, was filed in XXXX XXXX XXXX in XX/XX/XXXX. 

I did not receive any notice that I could dispute the debt. Nor was I served notice of the case being heard in XXXX. I do not believe I owe this debt, and I believe it is illegal for Valley Empire Collection to attempt to collect said debt ( of which I have no knowledge of ) after 9.25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX Received multiple letters for pre-approval from Capital One Quicksilver   Offered Balance Transfer options. I have multiple offers from multiple companies, but I selected this one and now I regret it. Here is why. 

Upon applying and being accepted within seconds, the balance transfer option was not available. 

I had to call customer service and they said it could take 10 days or longer. Nobody knows for sure, just estimates and guesses. Nobody knows why every other company offers it instantaneously capital one decided to delay it for weeks or months for all we know. None of this was included in the advertising as I would have never applied to their card over someone else 's card. 

This is " not '' to be confused with the line in the advertisement saying it will take 10 days to pay the creditor for a balance transfer. They are now saying I can't even apply for a balance transfer for at least 10 days, if not longer. Therefore, the payment will still take an additional 10 days AFTER that. This could be months in total. 

After explaining to XXXX, top level support specialist, that I feel conned and cornered into getting this card which I can't use ... .all she said was, " sorry. '' She outright refused to give me to her superiors while also claiming she has no authority to help me and has no answers for me. All she could do is say, " sorry '' and refuse to answer every question or every request to escalate this above her. 

Big business is untouchable apparently as she was not concerned in the least bit. 

I was conned into getting the capital one quicksilver card and now I'm cornered into keeping it out of fear my personal credit will be harmed. When I asked if my credit would be impacted if I canceled the card immediately, they said they have no idea. 

You advertise with misleading offers and then you corner us into keeping the card. 

So once again, they have conned me into getting their card and then making it exceptionally hard to cancel because they won't let me know how it will impact my credit. 

This is completely false/misleading advertising to do such a thing with someone's credit on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: NC

Complaint narrative:
I have been actively disputing an account with XXXX XXXX XXXX XXXX  for years. I recently began cleaning up my credit and notice, XXXX was still reporting inaccurate information to all three credit bureaus. I requested a verification of debt because I was uncertain the debt even belonged to me with such conflicting information. Recent disputes began in XXXX XXXX. On several occasions via filed disputes, XXXX, XXXX, Equifax and XXXX XXXX verified the inaccurate data using E-Oscar and continued to report across all three bureaus. Data provided, did not coincide with data provided through the debt verification. If all three bureaus were receiving different information, this would be impossible. 
Over the years and especially in the last few months, this willful non-compliance of the FCRA is a violation of my rights. Previous credit reports show XXXX was reporting inaccurate data such as high balance, payment amount due, date account was open, date of last payment, amount past due etc. After filing a complaint with the XXXX, XXXX XXXX updated my credit file, again with inaccurate data. There was even a difference in the amount added to the monthly balance for the month of XX/XX/XXXX across the bureaus. One bureau had an increase of {$100.00} and the others {$100.00}. In addition XXXX and Equifax are reporting a high balance of {$6600.00} on a closed account, and the XXXX is showing a balance of {$0.00}. Instead of correcting the data, XXXX, instead chooses to harm my credit file with XXXX, Equifax, and XXXX assisting by validating inaccurate data continuously on my credit file. In addition, when you attempt to contact XXXX about your credit file, they say the account was sold to XXXXXXXX XXXX  XXXX, yet XXXX is reporting. Please remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Inquiries that I didnt authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08 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: CBC Companies, Inc.
State: OH

Complaint narrative:
Inquiries that I didnt authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OK

Complaint narrative:
XX/XX/XXXX escrow analysis compared to XX/XX/XXXX escrow analysis is difference of {$200.00} in " projected '' taxes and insurance. Monthly payment based on XX/XX/XXXX escrow analysis {$790.00} - Monthly payment based on XX/XX/XXXX escrow analysis is now {$940.00}. 
I called Carrington XX/XX/XXXX regarding why my payment went up so much and they told me XXXX that my insurance double billed- once in XX/XX/XXXX and once in XX/XX/XXXX ( i called insurance and this is not correct ) XXXX then they told me that my payment was increased due to my escrow was in a negative balance My escrow balance was a larger negative amount in XX/XX/XXXX but my payment did not change at that time. 
I spoke with customer advocate on XX/XX/XXXX and was told it was because my escrow was negative and because they forecasted for another year they changed my escrow payment and added {$180.00} to my monthly to " cover '' this projection. Although my escrow balance was positive in XX/XX/XXXX and then only went negative after insurance/taxes were paid. I was meeting my minimum escrow balance requirement of {$520.00}. 
The advocate also told me that if I pay {$2200.00} now that will " fix '' my issue and my escrow will be correct. Then I can still pay $ 261 monthly and have my balance even out in XX/XX/XXXX Then they told me the reason my payment went up was because my insurance used to get paid annually in XXXX but for they past two years it was paid in XXXX. 
I continually asked the advocate why if XX/XX/XXXX by escrow balance was essentially exactly the same, and my payment was {$790.00} but in XX/XX/XXXX suddenly my payment was {$940.00} and he just said well I know I won't convince you that we are right but you just have to pay what we said. Our math is always correct. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got 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 non-monetary relief
Consumer complaint received 2022-03-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got 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 non-monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA will not allow me to acces my 10 thousand that is in my account on XXXX XXXX I have to call them cause I had been having problems using my debit card that is when I was told that they closed my account then I asked why and was told that it was their right to do so mean while. USAA did not give me the proper notice that it was closed to allow me me to make arrangements to have my direct deposit changed so now no one will return my call and they told me to wait 60 days this is not my fault they failed to inform me now Im XXXX  with my children no one calls me back I want my money th is is not good banking business

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am being violated by TransUnion as they are reporting information on my consumer report not in accordance with my written instructions infringing upon my rights as a consumer pursuant to 15 USC 1681. I have sent them an affidavit of truth stating the issues and how to immediately remedy the situation. I have received no response.

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 2022-03-08 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: Carvana Group, LLC
State: TX

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX and the vehicle was involved in a car accident on XX/XX/XXXX. On XX/XX/XXXX, the insurance company deemed the car to be a total loss. During the payoff process the insurance company advised that the finance company did not have the correct Title Work for the vehicle. There was a misprint regarding the mileage along with the car being registered in the state of Arizona. The car should have been registered in the state of Texas. Due to the misprint the insurance company XXXX XXXX ) stated that they would not be able to pay off the car due to the inaccuracy of the title. The finance company ( XXXX ) encouraged me to contact Carvana to have the issue resolved regarding the title. The process began XX/XX/XXXX and was updated XX/XX/XXXX, along with the license plates being received by mail on XX/XX/XXXX. I contacted the insurance company to proceed with getting the car paid off and was informed that a title search had to be completed before sending a payoff check to the finance company. I was advised that a payoff check could not be established due to the car being registered to an unknown third party. I have been working with Carvana for several months with this ongoing issue without any success. My credit has been impacted tremendously, when creditors review my credit they will think that my ability to repay is unsatisfactory. At this point I am asking that Carvana assumes ALL responsibility regarding this total loss. The State Law of Texas mandates that car dealers or finance companies to register the title to a purchaser within 20days of the purchase. Failure to do so subjects them to liability under the dealer licensing laws and if title is not conveyed, to civil liability to a buyer. It is a deceptive trade practice to sell a car to which you do not have title.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
When I switched phone, one of my Citi card couldn't be added to mobile wallet in XXXX. I was on Mobile wallet before without problem. When I called customer care, the rep told me tried again later. Three months later, the problem persists. The general customer care supervisor tried multiple times but could not fixed it so they transferred me to fraud department last Thursday, XX/XX/2022. The fraud department rep put me on hold for over 10 minutes and then came back said he needed a supervisor to call me back. The Fraud dept supervisor never called me back so I called again on XX/XX/XXXX. The fraud dept rep, XXXX, was rude and could not care less. She claimed she needed to call me back to verify identity but she never called me back. My Citi card issue still has not been fixed. 

The IT system at Citi is a mess but the bigger problem is the professionalism and competency of the customer care.

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