vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I sent documentation of the errors that was on my credit report. The main one was a property I had is indicated as being discharged through my XXXX XXXXXXXX bankruptcy of XX/XX/XXXX, when it was sold and the loan lender received payment in full in XX/XX/XXXX. When I sent this info over my credit score was XXXX XXXX XXXX XXXX and XXXX Transunion. Once I submitted my disbute after the time for review, I received info from them advising per the creditor it is reporting correctly ( even though I sent the bill of sale document for the property ) but then they also reduced my credit score even though there was no change to it. All 3 credit agencies reduced my score after advising NO CHANGE reporting as correct! If there is no change, my score should have NOT changed. I want my score put back to where it should be. Right now it is reflecting as XXXX XXXX, and Transunion XXXX, XXXX ( unsure ). I have reached out to the creditor who advised they will correct it, but I want my score back where it was before they correct it because it should go much higher than what it was.

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 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent documentation of the errors that was on my credit report. The main one was a property I had is indicated as being discharged through my XXXX XXXXXXXX bankruptcy of XX/XX/XXXX, when it was sold and the loan lender received payment in full in XX/XX/XXXX. When I sent this info over my credit score was XXXX XXXX XXXX XXXX and XXXX XXXX. Once I submitted my disbute after the time for review, I received info from them advising per the creditor it is reporting correctly ( even though I sent the bill of sale document for the property ) but then they also reduced my credit score even though there was no change to it. All 3 credit agencies reduced my score after advising NO CHANGE reporting as correct! If there is no change, my score should have NOT changed. I want my score put back to where it should be. Right now it is reflecting as XXXX XXXX, and XXXX XXXX, Equifax ( unsure ). I have reached out to the creditor who advised they will correct it, but I want my score back where it was before they correct it because it should go much higher than what it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
Contract Callers , Inc. reported that I owe {$200.00} to XXXXI called them on about XX/XX/2021 and found out that the Person with the same name as I have, who actually owes the {$200.00}, is located in XXXX. I told them that I never lived in XXXX and that I have always lived in XXXX. 

They gave me the address of the person in XXXX which I can provide to you as well as providing you my address in XXXX. 

They said they would send a " protest form '' to me and I never received it. It has been almost two weeks, plenty if time for it to get to me. The number I called for Contract Callers , Inc is XXXX. 

They asked for my Social Security Number and I said I never give that information over the phone ( fearing Identity theft. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act, Equifax has been in violation of furnishing without my written consent as pursuant to 15 U.S.C 1681b. ( a ) ( 2 ) : Congress states a consumer reporting agency can not furnish a account without my written instructions. 
I demand you remove these accounts immediately : DEPT OF EDUCATION/XXXX  XXXX XXXX LOANS XXXX Also, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I had a number of transactions that were not authorized by me and my disputes were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: PA

Complaint narrative:
Pursuant 15 USC 1681b ( a ) ( 2 ) a consumer reporting agency may furnish a consumer report under following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I XXXX XXXX as the consumer has NEVER gave any consent for Experian, XXXX or XXXX to furnish this account ( XXXX  XXXX Bank ) and inquiries ( Factual Data, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX of XXXX, XXXX XXXX XXXX XXXX ) on my consumer report! As consumer reporting agencies, pursuant to 15 USC 1681e ( b ), you're failing to follow reasonable procedures to assure maximum possible accuracy of the information being reported on my consumer report. Your actions is damaging my reputation, character, credit worthiness!

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 2022-03-21 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: OR

Complaint narrative:
I have had a Citi XXXX XXXX XXXX XXXX for 6 years. Recently I identified fraudulent activity on my card and another was issued. When I attempted to add my new card to XXXX XXXX it would not work and a block Fraud Alert was placed on my account. I was told that the block could only be removed after I received a letter from Citi with a XXXX verification code, despite correctly answering my security question and verifying both my wifes phone number and mine. This happened initially when I first opened my account, after attempting to add XXXX XXXX, a transaction was denied and a block was placed on my account. At that time I was able to resolve the issue over the phone and have my card added to XXXX XXXX. 2 days ago ( XXXX ) I spoke to a Citi fraud representative, and provided the XXXX code they sent me in the mail. My card was reactivated. While on the phone I informed the representative that I was unable to add the card to XXXX XXXX. I was told the card was already added to XXXX XXXX. I told them that my account showed no cards added. I attempted to add it several times while on the phone with the Citi representative, and I was told again it was already added. The next day I used my card successfully for XXXX transactions and later, again tried to add it to XXXX XXXX. Next, my account was blocked again with a fraud alert making my card unusable. Today, I called Citi Fraud, and was told again, that the only way they could reactivate my card was to mail me a letter with a XXXX code, with which I was to provide them, again. Remarkably, I have serval other credit cards that I have no problem whatsoever adding to XXXX XXXX. So, it is my intention they are doing this deliberately, since it is not perhaps in their financial interest : I pay my card in full each month.

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 2022-03-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I was NOT informed of my Right to Rescission. So I was paying my bills and then learned that I could endorse them with the money order sent through the money order instrument that they call the " statement '' They sent me a bill every month on the XXXX. I sent my endorsement XXXX XXXX. 2022 and they received it per certified mail XX/XX/2022 for the amount of {XXXX}, with an affidavit of truth. 

They chose not to accept my this form of tender even though I told them that per UCC 3-603/3-111 that I accepted their offer in the amount given and then the next payment, they denied my tender even though I put " without recourse ''. 

I have now sent them my right to rescind and an affidavit of truth, notarized, and have demanded that they give me back what I gave them when I opened up a consumer credit transaction and they took XXXX from my consumer credit account. They also gladly took a down payment of my car and gave me {XXXX} " cash '' which I have also asked for that back. I sent the right of rescission letter XX/XX/2022 and have given TOYOTA MOTOR CREDIT CORPORATION 20 days from when they receive my letter, to send me a check or it will result in civil liability for fraud Pursuant to XXXX5 U.S Code 1640.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XXXX, XXXX, 2022 I received 2 notifications about hard inquiries into my credit file. One was from JPMCB, and the other was from XXXX. Ive placed all credit bureaus accounts on freeze and also placed an alert.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 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: DISCOVER BANK
State: NV

Complaint narrative:
On XXXX, XXXX, 2022 I received 2 notifications about hard inquiries into my credit file. One was from XXXX, and the other was from Discover. Ive placed all credit bureaus accounts on freeze and also placed an alert.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 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: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/XXXX I applied for a DISCOVER IT CASH BACK CREDIT CARD through the website for Discover.com of the Discover credit card company to pay for my tuition. The company advertised a 0 % introductory APR for 18 months on purchases and balance transfers, an ad which remains on the company website till this day XX/XX/XXXX when I file the complaint. I was reviewing my most recent credit card statement when I observed the 0 % introductory APR period only lasts through XX/XX/XXXX. 
I immediately placed a call to the Discover customer service number ( XXXX ) available through the company 's mobile app. The first representative I spoke with mumbled some words I could not discern during the call and I assume hung up on me. The second representative told me there wasn't anything she could do for me and I asked to speak to a supervisor. She transferred me to a supervisor who mentioned that there wasn't anything she could to for me either that the system offered me what it offered me despite an ad which detailed 0 % introductory APR for 18 months on purchases and balance transfers. She then proceeded to ask me to open another credit card and maybe I can transfer the balance to a new Discover credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Convergent Outsourcing has sent me a debt collection letter on a debt that has been proven unverifiable recently and deleted from my consumer report in the past. this debt is from t mobile who used a different collection company in the past to try and collect but was deleted from my report and now sent this unknown debt to convergent outsourcing. company has not provided me with any details in regard to this account and is in violation and I will take further action if they do not cease there debt collecting acts

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 2022-03-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX am p.s.t.. I received a call from a XXXX number. My phone ID it a scam call. They left a message that a failure to return the call will result noted as a forfeiture of my rights. It was also stated that this was a call to order legal representation and to notify a local county processer if I did not respond. The number they gave to call back is XXXX to speak to the next available agent. I called the number and the same person who left the message with no name answered the phone. She never confirmed any information of who I was other than the phone number they called and a name. She put me on hold, the call dropped. She called back from XXXX then when she came back on the line stated that they were call on an old Capitol One account that they go from another party not the original creditor. No MINI-MIRANDA WAS GIVEN. I guess since the debt was old. I asked her for the date of last payment, she could not confirm and said that the account went past due some time in XXXX. So I asked for a letter from her company and she refused to send one saying that letters have been sent. Told her no letter of been sent from any collections agency 's regarding this debt or any phone calls either in many years other than the original creditor. She then procced to threaten legal action and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
On XX/XX/2022. I went to check my bank account amount on the Wells Fargo App to see that there were two online transfers I did not make. These online transfers went to an account that was not mine. The first transfer was {$300.00} and the second was {$1000.00}. I instantly called Wells Fargo Fraud Department. to submit a fraudulent claim. They told me it would take 10 days of the investigation until I receive a reimbursement. After 10 days and still no reimbursement, I called Wells Fargo Fraud Department again. They told me they were sorry that my claim was submitted to the wrong department. They then told me they filed a new claim to the right department. The claim number is XXXX. They closed my savings account that which the money was taken from. They told me it would be another ten days of investigation. After ten days again, I still had no reimbursement for fraud on my Wells Fargo bank account.

I called again. They told me they tracked the two transactions to Illinois. Not only have I never been to Illinois, but I know no one who lives in Illinois. They told me that someone requested a new debit card to Illinois under my name and it was mailed there. I never did that. My address with Wells Fargo is a Hawaii address where I am living. I have had the only debit card I use with me this whole time in Hawaii. I also do not understand why I was not informed anywhere that a new debit card was being mailed to Illinois under my name. Or, how Wells Fargo approved a debit card to be sent to a new address that was not on file under my name. I explained to them all of this and how I have never been to Illinois and no one who lives there. They told me the investigation was still going on despite the fact that it was obviously fraudulent. 

A few days later I called again and they told me the claim has been denied. They would not tell me why. I have been calling ever since. They transfer me all the time. Many representatives tell me it is truly fraudulent. They never gave me a reason why my obvious fraudulent claim was denied. They told me they would reopen my claim and re-evaluate it. I have talked to numerous Wells Fargo representatives. I even had one apologize for all the inconvenience and promised me my funds would return in 48 hours. That did not happen. When I called today, XX/XX/2022, all they could tell me was that they were going to reevaluate the claim again. It has been passed a month since when my money was stolen and Wells Fargo has not only not reimbursed me, but has been treating me nothing but horribly. I am ready to involve others.

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 2022-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a SunTrust Mortgage. I was placed on forbearance during Covid. 
In XX/XX/2021 I called SunTrust to ask about repayment options. I was told that FHA mortgages were flagged and that I had to wait until further notice. 

Later, I received a letter in the mail saying my debt was being refinanced and that a new 30 year mortgage was going to be processed. I had already paid 10 years of my mortgage and I am XXXX years old so with a new 30 year mortgage I would be repaying this house till I am XXXX years old. That does not work. I want a partial claim.

The partial claim was never processed, that I know of. Over the phone I was told I did not qualify for a partial claim. My loan is now in default. I call and spend hours on the phone. I need to reach client services but I always end on home preservation. I want to find out what my pay off balance and nobody has been able to provide it to me. I sent a request via fax, as instructed. Nothing. In the meantime I am billed late charges and fees. This system is designed to make you lose your house, to inflate your debt and provide zero resources to fix a problem. SunTrust does not provide an opportunity to meet with loan officer in person, calls get dropped, they ask you a million questions each time you call including your number and you never get called back when calls get dropped. It is just awful.

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 2022-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
I paid off my car loan with XXXX XXXX on XX/XX/2022 and it showing on my credit report as closed. I would like to dispute this issue. I don't have any outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: U.S. BANCORP
State: SC

Complaint narrative:
I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm = physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, elsewise delete the alleged inquiries immediately.

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 2022-03-21 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: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm = physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, elsewise delete the alleged inquiries immediately.

Company response to consumer: Closed with explanation