vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-06 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: U.S. BANCORP
State: FL

Complaint narrative:
To Whom It May Concern, This account was charged off in XX/XX/2018. It is to my understanding that a charged off account should not include an active payment history. It manipulates the date of last activity. Please delete this account. Best 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 2021-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
wrong social and wrong accounts not mine fcra violations see attachments

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 2021-08-06 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the Creditors ( XXXX/XXXX, ( 2 ) XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX  XXXX, XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, This account was charged off in XX/XX/2018. It is to my understanding that a charged off account should not include an active payment history. It manipulates the date of last activity. Please delete this account. Best 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 2021-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2006 I purchased a home from XXXX XXXX. Mrs XXXX had financed her home through Citibank. The closing documents show that Citi was paid in full during my purchase. 
Citi never released the lien, they are shown as outstanding lien holder on recent title search. I am trying to do a refinance and can not due to this lien. 
I have faxed and emailed Citi all the requirements from their website but they will not respond which leaves me unable to do anything with the home

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 2021-08-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
BMW I took over a lease and BMW did not disclose the TAX that would be assessed. The original Lessor paid the entire tax at the start of the lease.

I took the lease over so as to save money on deposits and tax charges.

BMW advise that once I assume the vehicle I would just continue to make the monthly payments.

I received a bill for {$700.00}. BMW has yet to provide any paperwork reflecting the TAX charges. When I spoke to the BMW supervisor I advised him that I have assumed many cares in the past and have never paid the tax, When asked why BMW didnt disclose this information when signing the lease assumption? His reply was '' we didn't know how much tax would be charged ''. 

With the original lease the entire breakdown of the charges including the tax was listed. One my lease assumption for it had the only mention of charges for Registration, Tax, Insurance etc. When reading the paperwork it suggests the tax on REGISTRATION.

I demanded the {$700.00} be rescinded since it was not disclosed. The BMW rep advised that if I did not pay it I would be placed in collections. I paid the {$700.00} and demanded a Supervisors call back. To date no return calls were received. When call back to check the status of the call back, The reply was no one will call since there is nothing to discuss. 

Please look into the matter. If need be I have full recordings of the conversation and all paperwork. 

Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I received a collection from an AMSHER COLLECTION SERVICES on XX/XX/XXXX that was placed on all my bureaus. the original Creditor was XXXX. I've spoken to XXXX and this account was closed due to fraud. Someone used my name and social security to open and use this account. AMSHER COLLECTION SERVICES is now trying to collect a debt that is fraudulently against my name. It's also a duplicate attempt at colelction, because on XX/XX/XXXX for the same original creditor, XXXX, a RECEIVABLES PERFORMANCE has also tried to collect a debt in a similar amount. They then sold this debt to AMSHER COLLECTION SERVICES and now the same fraudulent debt is being attempted once again by another company with a brand new collection registering against my name with the bureaus. Meanwhile my score has suffered a XXXX point hit accross all bureaus. Can we please have this removed? Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On XX/XX/XXXX I had my bank XXXX XXXX  scheduled to pay XXXX dollars for may car Loan to Huntington Bank, should of paid XXXX but paid XXXX by mistake. I noticed on XX/XX/XXXX they took the XXXX out of my checking account, I called and they took took out the XXXX out on XX/XX/XXXX to send for the XX/XX/22 scheduled Payment. My car payment was not even due till. XX/XX/XXXX, but I pay early. I called Huntington and the payment was applied on XX/XX/XXXX of the XXXX. They told me ( and recording says they record phones so should be able to Listen to it ) they would send me a Cashier Check in 3 business days, and to go ahead and pay my XXXX car payment when due. I asked they keep the XXXX for the car payment and send XXXX and they said no. They said just pay it when due. So I trusted their word and paid the XXXX car payment on XX/XX/XXXX. I called today and my payoff is still Like would be with XXXX payment. I finally get someone who said they are Holding my funds till XX/XX/XXXX to make sure clears. They have had it since XX/XX/XXXX. So now they tell me To email them and send bank statements to show proof I paid it, when they already have the money. My bank statements only show Money taken from account. I took pictures and sent them too. They gave me this number to check # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Despite the multiple previous written requests in TransUnion Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the items that need to update or remove from my report immediately. 
XXXX XXXXXXXX-Balance {$0.00} XXXX XXXXXXXX-Balance $ XXXX-Date Opened : XX/XX/XXXXXXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXXXXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/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 2021-08-06 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Comenity Bank violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I recently purchased a new Air Conditioner ( Compressor/Condensor/coil unit ). The company installing the unit had a financing arrangement with Synchrony Bank.

Sychrony Bank sent me a statement and urged me to set up online access and payment through the Sychrony Bank webpage. As is common with credit cards, payments are due on a specified date - and if " received '' or said to be received after that date the credit card compnay begins impsoing a series of fees, interest rates and seeks to take advantage of unsuspecting customers.

I made payments through the Sychrony webpage well in advance of a due date. Only because I happened to review my account did I discover that Synchrony suddenly refused my payments, despite representing earlier that the payments were properly credited. 

This sure looks like criminal fraud.

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 2021-08-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I notified chase of suspicious activity with my accounts. There was a new checking account I had never opened. There was also a strange email address associated to my accounts. When I called chase they told me they were canceling that account and restricting my accounts. On XX/XX/XXXX, {$24000.00} had been withdrawn out of my savings. This happened in XXXX New York. I live in XXXX. I also learned that chase mailed out a debit card to an address in New York when they are fully aware that I have lived in XXXX for the past 32 years. I have called them to file numerous complaints and to get my funds back but they keep closing my claims and not providing me with reasoning or updates. This has been the most stressful month it has even affected my performance at work, my mental health and not to mention I have had serious financial problems due to this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-06 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
SYNCB/VENMO XX/XX/2021 : I didn't request this inquiry. I called to Synchrony Bank Customer Service and their representative told me he didn't know who to transfer my call. 

SYNCB/VERIZON : I didn't request this inquiry. I already reported this inquiry as a fraud to Verizon, but it still appears on my XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CIT BANK, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX XXXX XXXXXXXX, which also does business as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX, is a debt collection agency located in XXXX, New York who was, or claimed to have, a couple of accounts for my company. We negotiated settlement offers and fulfilled one to the agreed amount. The other was still in negotiation, but the two contracts were separate. The one contract was paid in full per settlement on XXXX XX/XX/2021 after which documentation for the vehicle purchased was supposed to be sent. No communication was received from them for months until I reached out to them to ask what was going on when I was told that they closed the accounts because of no communication from us, that no settlement was agreed upon or in place and that there is nothing more for them to do. So they stole our money claiming to settle an account and now we don't have our money or the paperwork to properly maintain and register the vehicle purchased under that settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: PA

Complaint narrative:
Despite the multiple previous written requests in Equifax Credit Bureau, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the accounts that need to update or remove from my report immediately. 
XXXX XXXXXXXX-Balance {$0.00} XXXX XXXXXXXXBalance $ XXXXDate Opened : XX/XX/2018 XXXX XXXX XXXXXXXXBalance {$1100.00} ( Original Creditor : Medical ) -23062-Balance {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I have utilized Affirm for several loans and currently have three active loans. All of my loans have been paid and with perfect payment history. Most recently, I tried to utilize Affirm at XXXX XXXX, and my applications are continually denied. I have a consumer alert to verify my identity and call me at the number listed to confirm. No one from Affirm has ever reached out to confirm my ID. I emailed Affirm and explained what is going on. They assured me that someone would reach out ; instead, every app gets denied. Their processes show that they reach out, but they never do, and I'm completely frustrated. Many merchants utilize this company for 0 % financing ; therefore, there is no choice if you're looking to finance something on merchant websites. 

No one at this company Affirm seems to care or be willing to help. 

See the attached screenshots for the 0 % offer as well as the response after I input my details for the loan. The PDF document contains their response that they were unable to contact me, etc. NO ONE EVER CALLED PERIOD!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
On XX/XX/2021 I received an e-mail from the coinbase company saying that my password has been changed. I had not changed the password. On XX/XX/2021 I see that email and I communicate with them saying that I can not enter my account, and they reply by email saying that in 4 or 5 working days they will solve it, today XX/XX/2021 I write a ticker again saying that my problem has not yet been solved and they respond to me with the same email as on the day 30 saying that in 4 or 5 days they will solve my problem. it's a loop and i can't access my account where i have a lot of money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-06 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter to Equifax to validate the information on my credit report and open an investigation to ensure that the current profile was reporting 100 % accurate. As shown on their website my initial letter included a validate copy of my drivers license as well a an update to date copy of my credit card billing verifying my address. Each letter thereafter included a copy of my drivers license. 

I had not received a response from them so on XX/XX/2021 I sent them another letter notifying them again and asking that they open an investigation on the accounts listed in the letter. 

By XX/XX/2021 I still had not received any communication from Equifax regarding the dispute so I sent them yet another later on that date pleading they open an investigation and exercising my rights as a consumer under the FCRA. 

It is now XX/XX/2021 and I've still not yet heard anything from Equifax regarding any of the dispute letters I've sent out. 

During the course of these 5 months I've contacted them by phone to ensure I've had the proper mailing address, which they have confirmed. 

Please assist with this issue. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Since XXXX XXXX XXXX has been charging my Bank of America account, I tried to cancel in XXXX but apparently the person I spoke with did not do their job. I have also been charged at different times of the month instead of on a consistent date each month which made this harder to monitor their scam. The company also doesnt allow cancellation by email so theres no proof that I called a year ago. This should be illegal. Today they did give me a confirmation number but I dont trust them. To my knowledge I never received a refund of their fraudulent ways back in XXXX. I requested a refund for just the past year and was told they dont refund. They claim its a service for the past month on this months withdrawal. Im not expecting you to do much with this but I wanted an extra layer of protection in event they didnt cancel today. They have made way too much money off me as even their price adds up over 11 years.

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 2021-08-06 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: Convergent Resources, Inc.
State: IL

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Convergent Outsourcing Inc violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a ).

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 2021-08-06 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: OK

Complaint narrative:
XXXXXXXX XXXX, a large national bank contacted a primary account holding on a checking account in XX/XX/2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the LOC. The bank then knowingly reported to all credit reporting agencies the balance of the LOC tied to a known and acknowledged identity theft matter for four consecutive months ( XXXX XXXX ). The account was a joint account with the XXXX-aged account holder and XXXX adult children. The bank reported the account past due in XX/XX/2021, which severely negatively impacted all four joint account owners. The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). " Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect.

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