vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I had called the bank 's customer service 2 to 3 times last week to close a 12 month CD of my. The reason is very simple, I was forced to transfer the account over by XXXX and the APY is quite low. Their customer service first informed me that I can't transfer savings directly online and then said they can close the CD ( no fees ) and mail the checks to me. They said they need customer service to contact me again by phone to confirm. This process is ridiculous and the customer service is not professional. I waited for their calls for 1 week and did not receive a call from them until today!

So I was forced to file a complaint against the bank and ask for assistance in resolving the issue as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act these accounts have violated my rights : Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXXccount Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX 15 U.S.C 1681 Section 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I DO NOT RECOGNIZE THESE INQUIRES. THE FCRA ALLOWS ME TO HAVE FALSE ITEMS DELETED FROM MY REPORT. I DO NOT HAVE ACCOUNTS OPEN WITH THESE COMPANIES. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX TEXAS XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: VA

Complaint narrative:
I sent TransUnion a dispute letter regarding inaccurate and incomplete information that is reporting on my credit report. I demanded them to remove the inaccurate and incomplete information, not update the account. They did not follow proper procedures to assure maximum possible accuracy of this account. I demanded them to show me a contractual agreement stating that I gave them permission to report such information on my behalf, 1681 ( b ). They did not. I am still waiting for a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Southwest Stage Funding
State: SC

Complaint narrative:
I had damages to my home and my insurance co sent a check for the repairs but had my name and my mortgage company name ( XXXX XXXX XXXX ). The check was sent to mortgage company on XX/XX/XXXX. No one called me from the mortgage company until I heard from the contract and we reached out to the mortgage company on XX/XX/XXXX and was told to email the documents over. I called back the next day and was told they never got it and to fax it over er XXXX. Never heard anything back so I called on XX/XX/XXXX and spoke with XXXX and she said they never got the forms ( W9 and insurance estimates and apologize and asked that i fax it to her. She said that she would get the check escalated and overnighted to contracted on that Monday XX/XX/XXXX. I waited and waited and the contracted never got the check so I called today XX/XX/XXXX and spoke to XXXX and he said that no other calls have been recorded and the information that I faxed and emailed to get my check endorsed they have and now he is telling me that he has to start the process again. I am an elderly lady and this is killing my nerves. He is also telling me that I have to have an inspection that will take another week or 2 before they release the check. I need HELP. Please call me at XXXX. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX, # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX , # XXXX XXXX XXXX  XXXX, # XXXX XXXX XXXX XXXX, # XXXX DP OF EDUC, # XXXX XXXX  XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: PA

Complaint narrative:
XXXX XXXX  is not reporting payments for our home on our credit report. I was discharged and reaffirmed mortgage after bankruptcy through the HAMP program. XXXX  XXXX XXXX sold our mortgage to XXXX shortly after reaffirmation paperwork was complete. 
They need paperwork from me but they can not tell me exactly what I need and I want to sell the home soon. 
This happened XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
About XX/XX/XXXX, a collection agency send me notice that I owed {$1500.00} and change for a purchase that was made at XXXX XXXX in XXXXXXXX XXXX in XXXX of XXXX. I am now living in XXXX   and have not lived in XXXX, XXXX. since XXXX of XXXX. Some some how got a hold of my old home address in XXXXXXXX XXXX to get a credit to make a purchase at XXXXXXXX XXXX in XXXXXXXX XXXX. The email this person used is not mine and I don't know who this person is. At the time the purchase, I was here in Florida  pumping gas in a local XXXX station. I was constantly being harassed by the collection agency all times of the day and night- even on Sunday. The only reason they have stopped is that my phone number has changed. The collection agency is : MIDLAND CREDIT COLLECTION AGENCY. located in XXXX XXXX, Ca. I tried personally speaking with them on the phone but they will not believe me. As I said, the only reason the phone call have stopped is because my old phone bit the dust and I had to get a new one. This is showing up on my credit reports and I am not responsible for this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY

Complaint narrative:
This complaint is connected with my two previous complaints about XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX . 
This complaint is to do with Wells Fargo XXXX Bank in XXXX XXXX. 
Mr. XXXX XXXX XXXX got me to send Mr. XXXX XXXX, who is a customer of Wells Fargo XXXX Bank {$2000.00}. The receipt is attached. When it became obvious that Mr. XXXX is not returning money, I instructed my bank XXXX XXXX XXXX to recall the payment, which is what they did. However, Wells Fargo XXXX Bank never returned the funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Service Finance Holdings, LLC
State: GA

Complaint narrative:
Within the past 8 months, I obtained a 0 % interest loan, from a third party for septic services. After my first bill was received, I noticed that it only allows 15 days from the time the bill is issued, but when it arrives, it only allows for 7. This gives no grace period if something gets delayed in the mail. This is also a lender that requires banks to mail checks for payment, and not electronically pay. That means the day after the monthly statement arrives is the latest you can use a bank 's billpay service. 

The monthly statement also does not list : Previous months payments It does include very confusing, unclear, lines about current promotional balance due and Initial balances, but no application of payments. 

I did call in about both these issues, and the customer service person acknowledged the issue, but offered no solutions. This is deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CarMax, Inc.
State: GA

Complaint narrative:
I applied for an auto financing via CarMax on XX/XX/2022 and was denied ( violations of 15 USC 1601, 15 USC 1611 and 15 USC 1691 ( a ) ( 3 ) ). Credit is my right as a consumer, which means that I can never be denied credit. Inquiries ( both soft and hard ) are proof that a payment ( credit transaction ) has been received by the Federal Reserve that is intended for the consumer. The transaction was already completed after the credit application was fulfilled. CarMax only benefitted from the consumer credit transaction, not me. Clear violations of the above mentioned Federal Statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Lending Services LLC
State: NJ

Complaint narrative:
I've been a victim of identity theft, serval accounts have been open frauduelnt by some one who stolen my identity, fraud account reporting to my XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX GLOBAL LENDING SERVI XXXX {$6600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Hello, I'm trying to contact Comenity Bank to make a payment on my XXXX XXXX XXXX. The account was closed, however we were told we could still make electronic payments via the website. When I log onto the website, it states ' that my account is closed. When I called, the offices are temporarily closed due to unforeseen circumstances. I have paperless billing, therefore I don't even know where to mail the payment, and cant reach comenity via phone. I'm worried this is going to ruin my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FMA Alliance, Ltd.
State: CA

Complaint narrative:
I do not know who this debt collector is. I never done any business with this company that goes by FMA Alliance Ltd. How did this company get my information? How did this company I have no contract with get my phone number and has been harassing me everyday with repeated phone calls, As a federally protected consumer I have the right contact a debt collector to grant them the right to contact me. I never gave this company consent to contact me. I never gave this debt collector consent to contact me. I have received abusive letters by mail. Why is this company asking me to pay cash money to them when I don't have a contract? 


I'm alleging that i don't owe this allege debt this company. I don't owe any debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: GA

Complaint narrative:
I went into the office XXXX XXXX spoke with kierra stating that I needed a notice to vacate. I am a current resident under section 8. In order for us to move we have to have a notice to vacate. XXXX gave me notice I have the copy. In XXXX I also had several inspections that failed to meet the requirements do to liberty commons maintenance not fixing them. So the inspector told me I have 10 business days to let them know will I be staying or leaving. I decide to move. On XXXX XXXX I started moving all my things from XXXX XXXX I sleep there an I return my keys on XX/XX/2022. I have copies an cameras seeing me load the truck and leaving an turning the keys in. I received a letter in XXXX stating I owe them for XXXX rent an XXXX. Section 8 pays all my rent. So I met with XXXX an she was upset so I ask could I have the manager number. An they was going give me a call next business day to look at there cameras. No one call so I email the manger no one got back. Sent out all the paper showing I didnt owe that money an im study trying to get charged

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I have Bjs credit card through Comenity bank and they say they have had scheduled maintenance since last week never notified me of this went to pay my bill today and can not get though online or by phone even called Bjs to try and pay them they can not take the payment so there for my payment will be late I have been rebuilding my credit and raising my credit score and fear that this will take a negative effect messaged the bank no response from anyone who does scheduled maintenance for a week at a bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one and Walmart credit cards have been sending credit card ads for many different people to my address. None of these people live at my address. This has been happening for about three months now. Every week we receive letters for these people. I have called capital one three times already and each time they say theyve added my address to the do not send to list, but we continue to get letters. We get between 5 and 15 every week from both capital one and Walmart. I do not understand why I am getting all of these for people who do not live here. I have lived at this address for almost 7 years now and have never had this problem. I am now wondering who these people are, and what else they will have sent to my house or if theyre going to use my address to register to vote. I do not want all of this mail sent to my house! It literally fills my mailbox and it makes me afraid that I wont receive important mail that is actually for me. I have started writing return to sender and wrong address on these and taking them back to the post office but it obviously has not helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: TX

Complaint narrative:
INCORRECT NAME AND PLACE OF WORK REPORTED XXXX XXXX is my correct and legal name. Equifax reports it as XXXX XXXX It also reports my past place of employment as XXXX XXXX when the correct place is XXXX XXXX  These needs to be corrected asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter on XX/XX/2022 regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response as of yet. I feel like I am being taken advantage of and being ignored of my disputes section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio Recovery Association XXXX XXXX removed this fraudulent / unauthorized collection on my report or provide proof of debt in writing within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: AZ

Complaint narrative:
have asked the credit bureaus to do a investigation of credit report and stated everything was accurate. I did a thorough research myself and found improper accuracies on my credit report. Even after they did a thorough research. 

Last reported is not accurate Last active is not accurate Last payment is not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 u.s.c section 602 a. States i have the right to privacy. 15 u.s.c 1681 section 604 a section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation