vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-29 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: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
Toyota Financial Services is continually to report late payment status. I have reached out several times to ask if their company can correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: CO

Complaint narrative:
someone used my name to acquire/open an account with XXXX XXXX and this account was ultimately charged off for {$1600.00}. They even used an address on XXXX XXXX in XXXX NY and I never remotely lived in the area. I can not seem to get XXXX to acknowledge this issue and correct it.

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 2020-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NPAS, Inc.
State: TX

Complaint narrative:
On XXXX XX/XX/2020 my phone was called by a representative from NPAS stating I owed a debt that has been paid. The representative left return number XXXX or XXXX, called from XXXX, and claimed to be calling on behalf of XXXX XXXX. The representative claimed the call was concerning a " personal business '' matter.

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 2020-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/2020 I noticed a transaction for {$290.00} from XXXX XXXX was pending in my citibank checking account that was initiated on XX/XX/XXXX. I did not recognize the charge and when I contacted Citibank on XX/XX/2020 they told me I would need to wait until the transaction cleared before I could file a dispute in the meantime they did close my debit card. XX/XX/XXXX the transactions for {$290.00} posted to my account I filed a dispute immediately and was told that I would receive a temporary Credit in 10 days if they had not come to a resolution. About three weeks later I still did not receive any provisional credit upon contacting Citibank they told me that I need to file a new dispute that this one was overlooked so I filed another dispute for the {$290.00} again I waited about 30 days with no response or provisional credit I contacted Citibank again just XX/XX/XXXX was told that I needed submit the dispute in writing which I did by fax and email. At this point my Citibank account had gone into the negatives they've accrued numerous fees because transaction in CitiBank closed my account with out warning because of a negative balance. The negative balance was due to service fees and I refuse to deposit money into an account until I received a response from my dispute I filed 3 times

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 2020-10-29 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear sir/ma'am, I am XXXX XXXX, I am very diligent in paying my balances. I am an honest person. I managed to get my credit score in ranges of XXXX XXXX by acting with discipline and diligence in paying my dues. This incidence below has led to substantial dip in my credit score from XXXX to XXXX without any fault of mine. 
I want to bring to your notice about in accurate reporting of delinquent account on my credit report. This is about CITICARDS CBNA # XXXX, as reflected on my credit report. There was a confusion and gap in communication. I never have got any communication and wasn't even aware that I am being charged on that card which I have never used for any transaction. I have spoken with citibank officials and that has been rectified and corrected infact the same card has a negative balance of ( $ XXXX ). I can attach the statement for the same for your records and review. There is no balance due on me and the recent statement is a proof of that. Can you please suggest how can I get this erased from my credit report of all 3 organizations i.e XXXX, XXXX and XXXX. It will be a great help as I have always been sincere and diligent in paying my debts. 
Despite closing with Citibank, I still see the dent in my credit score. The whole event should have been removed without even mention of that, as first there was no fault of mine and 2nd the mis communication was settled with Citibank with resolution of the case. 

Please help me in addressing this huge dent in my credit score with all 3 reporting agencies like XXXX, XXXX  and so. 

Regards, 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 2020-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I made a purchase with XXXX on XX/XX/2019 for a XXXX XXXX XXXX XXXX for {$270.00}. I received a broken tv and returned it to XXXX. I requested a refund, however, my Bank of America checking account that was used to make the purchased was closed on XX/XX/2019. I informed XXXX, I was told they would get back to me. XXXX sent me an email saying they issued the refund to the closed account on XX/XX/2019. I contacted XXXX and told them I cant get a refund in the account because its closed. I was told to take it up with the bank. Since then I have made countless calls to XXXX and the Bank trying to get my money back. I even went to the Bank physical location about it and I was told that the money is not showing as returned and it would have been automatically rejected and sent back to XXXX because the refund was sent over a week after the account was closed. I went to a XXXX branch and the manager told me its an online order so I have to call corporate. I called XXXX and spoke with supervisors and managers who keep telling me the money was sent to the bank so I have to take it up with the bank. I dont understand how it would be possible for XXXX to send a refund to an account that no longer existed, that makes no sense whatsoever. The bank has provided me with proof showing the account was closed before XXXX did the refund, as such it means the money would still be with XXXX, but XXXX is adamant they didnt get back the money from the bank. I have been trying since XX/XX/XXXX to get my refund and have been getting a run around with both the bank and XXXX. I have even been hung up on. I just want to get my refund.

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 2020-10-29 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: CA

Complaint narrative:
Dear sir/ma'am, I am XXXX XXXX, I am very diligent in paying my balances. I am an honest person. I managed to get my credit score in ranges of XXXX XXXX by acting with discipline and diligence in paying my dues. This incidence below has led to substantial dip in my credit score from XXXX to XXXX without any fault of mine. 
I want to bring to your notice about in accurate reporting of delinquent account on my credit report. This is about XXXX XXXX # XXXX, as reflected on my credit report. There was a confusion and gap in communication. I never have got any communication and wasn't even aware that I am being charged on that card which I have never used for any transaction. I have spoken with XXXX officials and that has been rectified and corrected infact the same card has a negative balance of ( $ XXXX ). I can attach the statement for the same for your records and review. There is no balance due on me and the recent statement is a proof of that. Can you please suggest how can I get this erased from my credit report of all 3 organizations i.e Transunion, XXXX and XXXX. It will be a great help as I have always been sincere and diligent in paying my debts. 
Despite closing with XXXX, I still see the dent in my credit score. The whole event should have been removed without even mention of that, as first there was no fault of mine and 2nd the mis communication was settled with XXXX with resolution of the case. 

Please help me in addressing this huge dent in my credit score with all 3 reporting agencies like Transunion, XXXX and so. 

Regards, 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 2020-10-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear sir/ma'am, I am XXXX XXXX, I am very diligent in paying my balances. I am an honest person. I managed to get my credit score in ranges of XXXX XXXX by acting with discipline and diligence in paying my dues. This incidence below has led to substantial dip in my credit score from XXXX to XXXX without any fault of mine. 
I want to bring to your notice about in accurate reporting of delinquent account on my credit report. This is about XXXX XXXX # XXXX, as reflected on my credit report. There was a confusion and gap in communication. I never have got any communication and wasn't even aware that I am being charged on that card which I have never used for any transaction. I have spoken with XXXX officials and that has been rectified and corrected infact the same card has a negative balance of ( $ XXXX ). I can attach the statement for the same for your records and review. There is no balance due on me and the recent statement is a proof of that. Can you please suggest how can I get this erased from my credit report of all 3 organizations i.e XXXX, XXXX and equifax. It will be a great help as I have always been sincere and diligent in paying my debts. 
Despite closing with XXXX, I still see the dent in my credit score. The whole event should have been removed without even mention of that, as first there was no fault of mine and 2nd the mis communication was settled with XXXX with resolution of the case. 

Please help me in addressing this huge dent in my credit score with all 3 reporting agencies like XXXX, XXXX and so. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: CA

Complaint narrative:
Dear sir/ma'am, I am XXXX XXXX, I am very diligent in paying my balances. I am an honest person. I managed to get my credit score in ranges of XXXX XXXX by acting with discipline and diligence in paying my dues. This incidence below has led to substantial dip in my credit score from XXXX to XXXX without any fault of mine. 
I want to bring to your notice about in accurate reporting of delinquent account on my credit report. This is about XXXX XXXX # XXXX, as reflected on my credit report. There was a confusion and gap in communication. I never have got any communication and wasn't even aware that I am being charged on that card which I have never used for any transaction. I have spoken with XXXX officials and that has been rectified and corrected infact the same card has a negative balance of ( $ XXXX ). I can attach the statement for the same for your records and review. There is no balance due on me and the recent statement is a proof of that. Can you please suggest how can I get this erased from my credit report of all 3 organizations i.e XXXX, Experion and XXXX. It will be a great help as I have always been sincere and diligent in paying my debts. 
Despite closing with XXXX, I still see the dent in my credit score. The whole event should have been removed without even mention of that, as first there was no fault of mine and 2nd the mis communication was settled with XXXX with resolution of the case. 

Please help me in addressing this huge dent in my credit score with all 3 reporting agencies like XXXX, experian and so. 

Regards, 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 non-monetary relief
Consumer complaint received 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
XXXX XXXX XXXX My credit report is dinged as a paid charge off of {$7800.00} My husband totaled this car and I had GAP insurance, Gap Insurance only paid {$100.00} of what my other insurance did not pay. 
I agreed to pay {$3500.00} of the {$7800.00} So they are reporting incorrect amount and I am needing to purchase a home and this is charge off that should have been paid my insurance or Gap insurance needs to be removed from my credit reporting.

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 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX My credit report is dinged as a paid charge off of {$7800.00} My husband totaled this car and I had GAP insurance, Gap Insurance only paid {$100.00} of what my other insurance did not pay. 
I agreed to pay {$3500.00} of the {$7800.00} So they are reporting incorrect amount and I am needing to purchase a home and this is charge off that should have been paid my insurance or Gap insurance needs to be removed from my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: OK

Complaint narrative:
My loan thru XXXX XXXX was closed and marked paid in full on my credit report two months latter a company call Jefferson purchased this loan and imidiantly put it on my credit report and a collection I filed a dispute and it was removed. Today two months latter it has been re added with a start date of today. I have never received notification of Jefferson on this and have never done business with them. I am trying to refi my home and this most likely will get that denied because of this. As a XXXX veteran it is tough enough to survive but this is has became a direct violation of the law and my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Personal information was recently stolden in conjunction with vehicle theft. 
In attempting to creat online accounts to monitor and freeze credit, signed Transunion, and the other two. 
Other two companies offered free accounts, and verified personal info in various ways incl. birthday or credit card. 
Transunion asked for credit card information. 

After signing up for the account, turns out Transunion is the only one that charges a monthly charge for the online account, without telling you during the sign up page ( who charges you for something they don't tell you about!? ) When calling, I was told it was part of the terms of service that I didn't read carefully enough. 

Every. Other. Website has a shopping cart with price info if they are going to do something like this. 
How is a company that's making money off me already by my information billing me in the sneakiest way possible, and then making it my fault that they bury a price in a document that I'm sure their own employees don't even read?

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 2020-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Omnipoint Capital
State: FL

Complaint narrative:
I have some old retail credit debt appx XXXX k that I have put in a debt relief program however the debt collector to whom it was sold, omnipoint, is threatening to sue me calling me from multiple numbers atleast 10 times a day asking very personal questions leaving threatening vm and trying collect money from my veterans compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: NC

Complaint narrative:
I received a notification alert from XXXX regarding a collection acc # XXXX. I immediately contacted XXXX about this issue and explained to them that I did not open this account and this account is very much fraudulent because I am a victim of identity theft. XXXX told me to contact the collection agency or file a police report. I contacted the collection agency and they failed to provide information about the debt. I was not notified of this debt by the collection agency or original company. I have not knowledge of this debt and I am a victim of identity theft. The debt is in the amount of {$1100.00}. The collection agency name is MRS Associates. This is also indirect communication because no one contacted me in regards to this alleged debt owed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have been actively working on our credit as we are trying to purchase a new home and I have two charged off accounts on my credit report. My scores have been rising as i've been paying things off and they've been removed from my credit report and i got to a point where there wasn't really much more to do but my score had reached an acceptable level. However out of the blue i got notification that my score had dropped 40 points so i immediately got a new report. Nothing had changed on my credit report except for the fact that the charged off accounts ( that have not been paid off ) had changed the " date of last action '' to reflect that it was a new derogatory account. However the account has been closed and no new information had been reported so they can't change the date of last action and make it a new derogatory account. Because of the fact that is showed that it was new it dropped my score because newer accounts hurt more then older ones obviously. I have been unable to correct the account with the credit bureaus and the company refuses to help us. 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 2020-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I have opted out of everything possible with Capital One credit card. However several months ago I was notified that my rewards dollars were now linked to my XXXX account without my permission. I believe that knowing the cash back terms of the account and tracking the dollar amounts each month provides way too much information about my finances ( spending habits, income range, etc. ) for me to be comfortable. So I called Capital One to better understand why they would share my personal financial information with a third party without my permission, and they told me that cash back was not financial information ( cash is not financial? My credit card spending each month is not financial information?! ). So I asked them again to stop sharing my financial information with third parties and that I still wanted to opt out of everything possible, and they assured me that they would comply. Yesterday I received an email from XXXX that my cash back from my Capital One credit card could now be used for XXXX transactions. Clearly Capital One ignored my wishes, and if they are sharing things I explicitly asked them to not share ( and received assurances ), opt out settings/privacy settings are clearly ignored. With all of the identity theft, etc. that is going on, this adds to the consumer 's risk. Laws need to be adjusted such that the default is no information sharing unless explicit permissions are granted, and that these permissions are not a function of service. Financial institutions, social media companies, etc. are out of control, and are putting consumers at greater risk for their profit. And to my knowledge, there are no repercussions for bad behavior. For these practices to become the norm, all it takes are a few good people to do nothing.

Company response to consumer: Closed with explanation