vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have never heard of nor had any contact with this company that has accessed my credit file. 

Please remove this from my credit report.

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 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have never heard of nor had any contact with this company that has accessed my credit file. 

Please remove this from my credit report.

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 2021-07-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I was a past XXXX Customer and did not like the service. The salesman who knocked on my door said if he got my business, the company will give me a {$200.00} gift card. 

I have financed the outdated material they gave me for {$600.00}, now they sent me a collection notice of {$930.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
Hi, I received my monthly statement on my Citibank double cash credit card and noticed 4 transactions from XXXX that I know I did not make. The amounts of them were {$73.00} on XX/XX/2021, {$85.00} on XX/XX/2021, and {$110.00} on XX/XX/2021. I promptly called Citibank on Saturday XX/XX/2021 @ XXXX XXXX  EST. And it lasted 18 minutes. While on the phone with the representative I told him about the 4 fraudulent charges from XXXX, 1 of which was reversed by them, and he said he was marking those other 3 charges that had not been reversed as fraudulent and they will be investigated by their fraud team. Everything with that part was fine. Its all as it should be. My problem occurred right after he told me that part about the fraud department investigating them he then informed me that the investigation can take up to 30 days so they recommend I pay the full balance if I do not want to be charged interest on the fraudulent charges. This is regardless of me staying that I believe they are fraudulent because all my XXXX charges get out on my XXXX XXXX card specifically for the purpose of being able to pay over time with 0 % interest or earn a lot of points. It doesnt make sense. If Citi says they offer zero fraud liability protection on my credit card which, they claim they do, then those three items should be taken off my statement and moved to zone for the fraud department and they can accrue interest if they want while in there but, not in my current statement. I know that once the investigation is done these items will be declared fraudulent because I didnt make those charges on XXXX on my Citibank card. So I wouldnt have a problem with that. But the rep specifically told me that if I dont pay the full balance I will be charged interest which will be reported to the credit bureaus. This bothers me and I feel like Citi lied about zero fraud liability on my card as I reported the fraudulent charges but, they still charge me interest on these fraudulent items until their investigation is over which can take up to 30 days. And in that time can report that to the credit bureaus. I pay my bill in full every month so as not to be charged interest and not have that reported to the credit bureaus. It just seems like a lie that citi says they provide zero fraud liability yet they still recommend / encourage you to pay the balance so as not to be charged interest on the fraudulent charges. The rep couldnt do anything about that he said he was just informing me of the policy. I think its wrong and misleading to claim they have a zero fraud liability but, then not say that youll still be responsible for the interest on them.

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 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
After many attempts and going back and forth with the condescending and negative attitudes with various EQUIFAX agents and dispute department reps on the phone, especially when requesting to speak with a supervisor, manager or United States agent. On several occasions I made calls to their recorded line and uploads were made to update and/or for this account to be adjusted and removed to it's inaccuracies that are causing irreparable injuries to myself and business partners. EQUIFAX simply does not care about real issues that effect and harm real people. Uploaded is a FICO report that clearly shows said inaccuracies being reported and EQUIFAX 's reluctancy to rectify their error ( s ) and harmful practices. There were also documents sent to their CEO to settle and address these issues as well as requests/demands made for proofs authority and equitable interest in said Estate. I am still currently awaiting a response for those request/demands and expect a default to ultimately happen in the near future. To this day I am currently being continuously denied for any " loans '' or " Loan programs and I as well as my partners are currently in the midst of losing a lot of capital caused by their actions and reporting inaccurate information to cause these injuries. It's illegal and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
1. The debt collector is illegally reporting data that is beyond the statue of limitations and is time barred. 
2. The debt collector stated that I never called in however stated I requested a investigation. Also I will be attaching a screenshot of my call to the debt collector when a representative told me that the debt was pass the statue of limitations so technically they could not report. 
3. I will be requesting the recording of that call that took placeXX/XX/XXXXXXXX 4. Not to mention this is debt that has been written off by the original creditor and resold and reported meaning it has affected my credit score twice doe the same debt.

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 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
1. The debt collector is illegally reporting data that is beyond the statue of limitations and is time barred.

2. The debt collector stated that I never called in however stated I requested a investigation. Also I will be attaching a screenshot of my call to the debt collector when a representative told me that the debt was pass the statue of limitations so technically they could not report. 
3. I will be requesting the recording of that call that took place XX/XX/2021XXXX XXXX. Not to mention this is debt that has been written off by the original creditor and resold and reported meaning it has affected my credit score twice doe the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
1. The debt collector is illegally reporting data that is beyond the statue of limitations and is time barred.

2. The debt collector stated that I never called in however stated I requested a investigation. Also I will be attaching a screenshot of my call to the debt collector when a representative told me that the debt was pass the statue of limitations so technically they could not report. 
3. I will be requesting the recording of that call that took place XX/XX/2021XXXX 4. Not to mention this is debt that has been written off by the original creditor and resold and reported meaning it has affected my credit score twice doe the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: FL

Complaint narrative:
To begin with, I would like these accounts removed from all 3 credit bureaus immediately. They were opened under my name when I was only XXXX. One was opened on XX/XX/XXXX and the other was opened XX/XX/XXXX. I was born on XX/XX/XXXX. My legal age was XXXX years old, but you have to be XXXX years old to open a credit card account under your name. I even filed a police report showing that I did not open these accounts. Secondly, per Florida statutes XXXX, the limitations on credit card debt is only 5 years. This shouldve been removed from my credit reports a couple of years ago. If these accounts are not removed from my credit reports, I will file a lawsuit with my lawyer against XXXX XXXX and XXXX  for allowing someone to open credit card accounts under my name at an illegal age to do so along with Equifax for reporting accounts that were opened illegally while I was underage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: CITIBANK, N.A.
State: FL

Complaint narrative:
To begin with, I would like these accounts removed from all 3 credit bureaus immediately. They were opened under my name when I was only XXXX. One was opened on XX/XX/XXXX and the other was opened XX/XX/XXXX. I was born on XX/XX/XXXX. My legal age was XXXX years old, but you have to be XXXX years old to open a credit card account under your name. I even filed a police report showing that I did not open these accounts. Secondly, per Florida statutes XXXX, the limitations on credit card debt is only 5 years. This shouldve been removed from my credit reports a couple of years ago. If these accounts are not removed from my credit reports, I will file a lawsuit with my lawyer against Best Buy  and XXXX for allowing someone to open credit card accounts under my name at an illegal age to do so along with XXXX  for reporting accounts that were opened illegally while I was underage.

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 2021-07-10 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
To begin with, I would like these accounts removed from all 3 credit bureaus immediately. They were opened under my name when I was only XXXX. One was opened on XX/XX/XXXX and the other was opened XX/XX/XXXX. I was born on XX/XX/XXXX. My legal age was XXXX years old, but you have to be XXXX years old to open a credit card account under your name. I even filed a police report showing that I did not open these accounts. Secondly, per Florida statutes XXXX, the limitations on credit card debt is only 5 years. This shouldve been removed from my credit reports a couple of years ago. If these accounts are not removed from my credit reports, I will file a lawsuit with my lawyer against XXXX XXXX and Target for allowing someone to open credit card accounts under my name at an illegal age to do so along with XXXX  for reporting accounts that were opened illegally while I was underage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
TD Bank is in the practice of attaching fraudulent transactions to one 's account then converting that transaction into a NSF transaction without showing what payment it was attached to. If you will take notice in the attached file : Page 1 which was generated around XX/XX/2021 - XXXX XXXX. There was never a XXXX XXXX in my account. On page 8 you will see a XXXX purchase debt, not a bill. If you will take a look at page 16 there is a payment to the account by XXXX XXXX and they have it listed as a return ; then they therefore attaches the purchase authorization debit on this same page to appear that that was to cover the XXXX XXXX Return. This {$35.00}, a day or two later showed up as NSF fee and I called to get understanding as to what it was attached to and they stated it was attached to the XXXX XXXX Payment of {$110.00}. That {$35.00} was refunded back to my account. As you can see on page 17, in the attachment, there is a {$35.00} overdraft paid, but it does not show what was returned. On page 18 : the XXXX Authorization should be XXXX verifying my account. The Visa XXXX should be XXXX verifying my account. The XXXX Temporary Hold is a fraudulent misrepresentation of facts and I have spoken to the bank concerning these fraudulent activities. The XXXX Authorization should not be there, I made that payment on the XXXX of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
We were defrauded by Wells Fargo. When I called in to get a loan modification I was lied to. The home mortgage preservation representative directly lied to me in an attempt to disqualify us from being able to apply or qualify for a loan modification. He told me that we could only get a modification if we were delinquent on our mortgage. We had never been late at the time of the call. He also said we could intentionally miss a payment. About one year later when we could no longer pay we missed a payment. When we tried to get a modification with a lower interest we were told we didnt qualify because we had missed a payment in the past 12 months. We did however qualify for a 40 year loan at the same rate 6.25 APR. Even though we had been paying what they told us to during the modification they put our home in foreclosure just before giving us the bad news on lowering our rate. We were jerked around and transferred to 5 different loan preservation representatives. One year later we tried again to lower the rate and were told we had been late again even though we had not, and the credit bureau showed no late payment. Then they put our home into foreclosure while we appealed. When they denied our appeal we could not afford to catch up the payments so they sold our home at action. I tried to get an extension on the foreclosure because we could not get a fair price due to covid but once again we received no help from Wells Fargo. We had to fire sale our home in XX/XX/2020 to pay off the mortgage. I want to know if there is anything you can do to help. By the way my wife is a XXXX and even though I told the Wells Fargo representative all of this but they could care less and offered no help even though we were in shut down due to covid.

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 2021-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: FL

Complaint narrative:
I was added to an account without my knowledge, consent or permission. My husband added me as a user on his account. US Bank added me as a co-owner. I had no knowledge of this and have been trying to have my name removed from the line of secured credit as it adversely affects my credit.

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 2021-07-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I leased a new Acura from Acura Financial Services in XX/XX/2020. Yesterday, Honda ( Acura ) suddenly changed the rules of the lease preventing me to sell my car to any car dealer of my choice. They say I can only sell it to a Honda dealer. Since independent dealer pay more than Honda 's owned dealerships people like myself who need to sell their cars usually sell it to independent dealers. Due to pandemic there is a high demand for used cars and Honda is trying to make more profit by restricting a lessee 's options. It was a well stablished rule in auto leasing contracts, written or not, that a lessee can end his/her lease at anytime by paying the Honda ( Acura ) Financial Services the amount as specified in the contract. However, since in a lease the lessee does not own the car therefore Honda has to release the title to the buyer. Honda is abusing this technicality to take advantage of a pandemic influenced market to buy back cars at a cheaper price and make money out of it. They claim they have the right to choose the buyer of my car. 
XXXX also recently announced a similar abusive policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
Before I had credit I kept getting these random calls from Evergreen Professional Recoveries. They would say they were calling about an important business matter or a financial issue or something on the lines of being Vague enough to peek my interest. They would not specify anything unless I gave personal information! These things included full name, date of birth and an address. All things I consider sensitive information and I even felt they would ask to get my Social security number. If they really were calling me for this issue they would already have these on file. For the past year or so I thought they were total scammers trying to steal my personal information because they would not fully disclose the nature of the call and had the audacity to ask for such personal information. 
I have ignored their harassing phone calls which even disrupted my work at times! I work as a XXXX and it they had disrupted me trying to call the hospital when giving a short report of a XXXX! 

I have no debt and have not even had an X-Ray done for quite some time and that was filed under XXXX XXXX XXXX. So, I have no clue where this debt could have came from nor have gotten a WRITTEN NOTIFICATION even at my old place of residence which my mother still resides at and she received nothing over the time frame of this harassment starting. 

And now they are damaging my new credit score which is only 3 months old! They keep changing the information about when the debt was due as well it seems. I dont understand and its frustrating. I have disputed them with XXXX  once and it got deleted. Multiple accounts. This time it was just updated. I dont understand how that is legal to harass someone like this and mess with their lively hood. I even looked this business up on the XXXX XXXX XXXX and have seen reports of them being scammers, not taking off the reports of peoples credit when they have been paid, and just over all shady tactics. So I refuse to give any information or pay a dime to these people. And interesting enough when I called them every time itd go to their voicemail. So I have been unable to resolve it with this company and its an issue. Can you please help me clear this up? Its gone on long enough. Thank you for whoever is reading and have a good day!

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 2021-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I traded my XXXX XXXX XXXX Sportback Quattro for XXXX XXXX XXXX. This transaction occurred with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX. 

Our XXXX XXXX XXXX was financed with Suntrust Bank. When we traded our new car loan was with XXXX XXXX. The dealer was responsible for paying off the trade. 

Almost immediately, I started to receive calls from Suntrust Bank asking for payment for the XXXX. I explained that the car was traded. They asked that the dealer send a copy of the trade agreement. The dealer complied, but Suntrust still posted 30 day late. They continued to harass me. One month in, I get credit warning that my credit score dropped by XXXX points for a 30 day late payment. The kicker was that there was a XXXX  balance. 

I've tried to get Suntrust to correct to no avail.

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 2021-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paradigm Assets, LLC
State: IN

Complaint narrative:
I contacteXXXX XXXX XXXX XXXX XXXX XXXXone number XXXX in the beginning of XXXX about an issue with my credit report. JHPDE finance one instructed me to call XXXX XXXX XXXX about my account. XXXX XXXX settled that account for JHPDE finance one at the end of XXXX for the amount of XXXX as settled in full. Now JHPDE finance 1 Has put in my credit report that I/O {$1600.00} from my settled account. I filed with the credit bureau having no luck and having this removed from my credit report

Company response to consumer: Closed with explanation