vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Use Citibank bill pay to pay rent each month, in which {$4000.00} is deducted from my account, and Citi mails a check. The XXXX check was never received by recipient. In XXXX, requested a reissue. 
On XX/XX/XXXX, bank credited my account for XXXX check ( paymentXXXX ), but rather than issue one new check for {$4000.00}, it issued two checks, reducing my account by {$8000.00}. 
I notified bank using online chat of the issues on XX/XX/XXXX. I was advised they would credit my account by XX/XX/XXXX, so long as check wasnt cashed. 
It is XX/XX/XXXX today, my landlord returned the physical check to me ( # XXXX, check # XXXX ), thus confirming its not cashed. 
Citi have still not made my account whole, which means my payments from my account will default from today. On advising Citi that they need to find a resolution to ensure Im not penalized for their error, they advised they will provide no assistance. 
Im still missing my {$4000.00}.

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 2021-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I reached out to the company I C Systems to Request a cease and desist On attempted collection of debt from XXXX because it is past statute of limitations for the state of Florida. Florida Statues State that the statue of limitation on store debt is 4 years - FL STATUTE 95.11.3 ( k ). Torte law calculates that the limitation is computed from the last date of activity on the account not the collections date. The account was from XXXX last date of activity was XXXX. After expressing my request for a cease and desist based on law I was placed on hold for more than 15 minutes. Eventually they returned and told me that they would not stop attempted collection and that if I wanted to put the debt on a payment plan I could. I informed them that they are violating Florida law by attempting to do that and was told that they do not practice law and that if they were violating the Florida statutes they wouldnt be trying to collect the debt. I have attempted to resolve this issue with XXXX directly however they have been acquired by XXXX and I was informed that I therefore have to dispute the debt with the collections company.

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 2021-04-09 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: FL

Complaint narrative:
I spoke with the credit bureau and was told to provide my id, social, and and report, which I did regarding the listed items on my report. I was told that my report would be updated in the next couple of days. There has been nearly a month and no change yet. How is it that I can provide what was requested and I called to confirm that they received my information and nothing was done. I keep receiving generic responses asking for my information after I have already provided it. My name is listed incorrectly, I have XXXX address only and XXXX XXXX XXXX inquiry is listed on there. I gave the information to the credit bureau and was told to wait a couple of days for this to be done and it is not done they asking me to send in my information again. When I called they confirmed that they had my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: NC

Complaint narrative:
The following accounts are in litigation and I want them removed from my report and I give Experian permission to look into this and move forward : XXXX XXXX XXXXXXXX - Account number XXXX XXXX inquiries XXXX XXXX XXXX XXXX Companies Inquiry date : XXXX XXXX, 2021 XXXX XXXX XXXXXXXX XXXX XXXX date : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX XXXX Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/2021 XXXX XXXX XXXX Dealers, Used Inquiry date : XX/XX/20XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Companies Inquiry date : XX/XX/2021 XXXX XXXX XXXX XXXX Financing Companies Inquiry date : XX/XX/2021 XXXX XXXXXXXX XXXX XXXX  XXXX XXXX date : XX/XX/2021 2021

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 2021-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I contacted the debt collection agency in an attempt to settle a debt. We came to an agreement that once the amount was paid and posted the company would delete the Tradelines from my credit report on all credit reporting platforms. My bank account shows this account was satisfied on XX/XX/202, I just pulled my credit report an the above mentions were still being reported on my credit report, however it states that the account were paid in full for less than full amount. They took the money immediately and took XXXX weeks to send a notice that they received the money. So they took the money but forgot to delete the Tradelines as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: OH

Complaint narrative:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Approximately in XXXX of XXXX I personally reached out to Chase via their telephone customer service to explain mitigating circumstances surrounding a late payment they reported in XXXX of XXXX. I explained to the representative that the only reason why I was late for said payment was due to a combination of being in an already difficult financial situation ; as I had just separated from the United States XXXX after serving for XXXX years, and being laid off from my newly acquired civilian job as a result of the XXXX XXXX pandemic. I was told the representative wasn't able to personally do anything about the situation. I attempted a second time to reach out to Chase shortly after, for a second opinion due to the fact that even the Federal Government has recognized the severe economic impact XXXX has had on our country, pouring trillions of dollars into our economy and enacting legislation that makes it even impossible to be evicted for not being able to pay something as important as your rent on time. However, the response I got was anything but understanding and reasonable use of discretion from Chase, stating yet again 'there isn't anything we can do '. I genuinely believe that a reasonable person would agree that Chase is acting unreasonably in regard to my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/2021 I sent a dispute letter to XXXX XXXX XXXX to have a false and misleading account removed from my credit. On XX/XX/2021 I called XXXX XXXX XXXX because I had not heard anything from the agency about that dispute since the letter was sent. A representative told me that the investigation process had not been started and that she'd have a manager reach out to me. A manager reached out to me XXXX  days later and then I was sent a letter via email stating that the account wouldn't be deleted even though they were in violation, failed to perform an investigation in the fair allotted time frame according to US law of XXXX days, and at fault. 

This agency is violation of several laws according to the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) ( A ), Section XXXX unfair and misleading reporting, and violation of XXXX U.S.C. XXXX. I sent a third and final letter to XXXX XXXX XXXX on XX/XX/2021, as per this complaint the account is still on my report. According to XXXX XXXX XXXX the agency that reported the negative on my credit was to notify me within XXXX days after the initial communication in connection with the collection of any debt. They failed to notify me, as the original creditor, only I can validate the debt. However, I do not validate the debt. Therefore according to all of the above referenced law breaking violations, I want this account removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX, XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I purchased by vehicle in XX/XX/XXXX during the pandemic. I was told I would be able to push my payments back due to the pandemic and it would not go against my credit but that was false! I've made a few payments on time and there was a couple times I paid a XXXX late. The month of XXXX I was late, but on XXXX XXXX, XXXX I made a payment of XXXX. I would pay the past due and the amount due at that time which would be an " on-time '' payment. My last payment was on XX/XX/XXXX in the amount of XXXX and when they reported the bureaus on XX/XX/XXXX it shows I haven't paid, and I'm behind which is false! They have been damaging my credit for a while now. They never report accurately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I initially received an email from the Carrington representative indicating items to address on my credit. Upon receipt of the email, I spoke with the FD Carrington representative and indicated I did not submit the credit check authorization on the website. I explained that I exited from the webpage prior to hitting the submit button. The representative proceeded to inform me that the system does that and does not tell you it was submitted. Therefore, I did not give permission for the company to run the credit check for a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: GA

Complaint narrative:
Received notification of new derogatory collection account XX/XX/XXXX from XXXX XXXX representing XXXX XXXX/ XXXX which was removed/ deleted 1 year ago. Via online dispute twice, communicated company did not provide any communications of this debt before placing on my credit report. XXXX and XXXX removed immediately. Transunion continues to report as a verified account even after I provided documentation account is duplicate account removed last year by XXXX XXXX due to being unverified account and after notification company violated FDCPA. Certified mail letters to XXXX XXXX XXXX ; XXXX ; & XX/XX/XXXX via certified XXXX : Receipt # 's XXXX ; XXXX ; XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: MI

Complaint narrative:
I bought a car from Kia XXXX of XXXX and cancelled a warranty that was initially applied to the loan on XX/XX/XXXX. The dealership sent the check for {$5300.00} to Kia finance in XX/XX/XXXX. The dealership accidentally sent two checks for this amount to Kia finance. Kia finance applied these checks to the account twice, and once they were made aware of this mistake they took both amounts off the balance. I am still owed {$5300.00} for cancelling the warranty. Calls were made to Kia finance on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each time a call was made, Kia finance stated that it would be 3-5 business days before it would be applied to the principle, and this has not happened yet. On XX/XX/XXXX a representative stated that the refund was denied on XX/XX/XXXX, but could not see why it was denied. I requested to speak to a manager who said that he could not give me any updates and I would have to keep calling back, when I asked to speak to his manager he put me on hold for over 30 minutes and then hung up on 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 2021-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have a HELOC account with Chase that has a zero balance. I transferred {$100.00} to my nephews account and the transfer was processed on time and no issue. I then attempted to transfer {$10000.00} and that transaction was flagged by Chase 's fraud department. They called me and I called them back. I fully authenticated using my social security #, a one time passcode provided by Chase and I answered all of their authentication questions.

After fully authenticating, the associate then proceeded to ask me why I needed the money which I found very strange. I asked for a manager and after a lengthy conversation was told that the transaction is approved and it will be processed. 

I called the next day because the transaction was still showing pending. after another lengthy conversation I was once again told that the transaction was approved and it will process. I checked my account on XX/XX/21 and the transaction is now completely removed from my transaction history. I called Chase on XX/XX/21 at XXXX and was transferred to a VM where the call disconnected afterwards. 

I dont understand why I was told twice that this transaction was approved but the opposite was true. What is the reason why I cant transfer money from my HELOC account? Nothing has been explained to me and I don't feel that I am being treated fairly. I am expecting that money to be transferred, I am told the money will be available on several occasions but Chase doesn't seem like they have any intention of transferring these funds. WHY?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: NJ

Complaint narrative:
An accident on my driving history record says I was at fault for the accident that occurred on XX/XX/2019. But I have the police report which states that the other driver was at fault and received the tickets, not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: VA

Complaint narrative:
XXXX XX/XX/2021 our house was sold and all paperwork was signed but on my credit its showing 30 days passed due but the account is closed showing a XXXX balance. All the paperwork and money for nationals lending and loan care were dated for XXXX XX/XX/2021 so there is no reason for my credit to show a late payment.

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 2021-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: AR

Complaint narrative:
They call me every other day 3 times or more a week. I have called them several times explaining I have not received and I will handle it when I get a statement.They said they sent it but I have not received it. This has to stop they are rude to me and arguing with me and hanging up on me so I have stopped answering the calls.Harrassing me will not get this bill taken care of. I have been very patient with this company but this has to stop. Thank you.

Company response to consumer: Closed with explanation