vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am with a consolidated debt company, I pay this company {$700.00} a month. They take that money and negotiate with my creditors. The agency that is harassing me has already settled and received 3 payments already. They continue to call in the early morning, today it was XXXX. Then when I do answer a call they wont tell me what it is about until I tell them my address and personal information. I wont do this either. I told them to stop calling me yet they continue to call from new numbers every time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11 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:
i have sent Experian several letters stating that there are inquiries on my credit report that were not authorized by me and they are still reporting. i have asked XXXX to provide me with proof that i authorized these creditors to inquire my credit. the following are : 1.US SM BUS ADMIN ODA- XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX  XXXX XX/XX/XXXX 4. XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-12-11 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: Conn's, Inc.
State: TX

Complaint narrative:
I set up deferments and was told my payment will be pushed to end of loan term that I will not have late remarks or fees

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Received email from Equifax that my dispute results were ready. I am unable to access the results. Error message " states site can't be reached ''. However, when I try on my phone it tells me I don't have an account with them. This is an ongoing problem with these websites which continues to happen and I'm really fed up of not being able to access MY information when I need to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: GA

Complaint narrative:
Sent Dispute to Experian on XX/XX/2020 disputing public record : Chapter XXXX Bankruptcy. Requested that it should be removed because it should not be reported on credit report. 
Experian conducted investigation and stated on XX/XX/2020 that they verified Bankruptcy with company listed which is US BKPT CT GA XXXX who furnished them the information. 
I conducted my own investigation and found that the courts do not furnish information about bankruptcies to the credit bureaus, vendors, or any third-parties. ( I have provided an actual letter from the court that states this. ) Verifying my information would require my full social security number to be provided by the courts to Experian which is against the law. I found during my investigation that Experian utilizes third-party vendors such as XXXX to verify bankruptcies. I do not have any public record of a bankruptcy reporting in XXXX as of XX/XX/2020. How did you verify this information? What is your method of verification? Who did you speak with? What is the name of the person that you spoke with and their contact number? What documentation did they provide you? Please provide me proof of the petition with my signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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 RISA and MVISA 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 2020-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Recovery Management Solutions LLC
State: OH

Complaint narrative:
Received a letter from RMS that I owe {$4200.00}. I do not owe anything!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I made a partial payment for this month. Despite this and asking for COVID assistance they company continues to call. I have informed them that I used to have 3 jobs and now have none and I am still unable to get ahold of Virginia unemployment. They claim to have no other means of putting the account on hold. 

XX/XX/XXXX XXXX XXXX x 3 XXXX x 3 XXXX x 3 XX/XX/XXXX XX/XX/XXXX x 2 XX/XX/XXXX - I called but their phones said they opened at XXXX even though I called after that time It seems like poor consumer advocacy to let companies destroy your credit when the country is still shutdown and people would go to work if they could in many cases. All three of my jobs will remain shut down for the foreseeable future..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I set up deferments and was told my payment will be pushed to end of loan term that I will not have late remarks or fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I set up deferments and was told my payment will be pushed to end of loan term that I will not have late remarks or fees

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
i did not authorize my credit to be run several times only once with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/2020, I was making a large online purchase with XXXX XXXX XXXX  ( XXXX  ). Through the purchase process, there was an option to finance the purchase with 0 % interest for 6 months. I applied for and was approved for the financing. On the next screen, a credit limit and account number were populated along with an option to " shop now ''. In my consumer mind, the " shop now '' option would allow me to shop using the new credit line issued through Citibank XXXX XXXX. When I got back to the check out screen for XXXX, there was no account number populated. I then checked my email, where I had confirmations from XXXX and Citibank. The Citbank confirmation email directed questions to a link and stated simply type " I am a new Card holder '' in the chat window. When I did that, I was directed to a list of FAQs. One of which was, " Where can I find my Account Number ''. The answer to this FAQ was : " Oh, good question! I can help you find that. If you processed the application online and it was approved, on the final screen it shows the credit limit and also your card number. That is the only time when the full account number will be listed online. We do that for your protection! If you skipped over that screen, or you had any other errors, you can call customer service in the first 10 days following the application to get your card number. Customer service will connect you to our security team and after a few verification questions, you can obtain your card number. There you go! '' When I called customer service and verified my information, they refused to provide my account number and stated that they were not allowed to provide it not matter what the website said. 

My purpose for applying for this credit line was to pay for my purchase that day. Through the application process, there was never any indication that I would not be able to use the account that day on that purchase. My credit was inquired upon, causing consumer harm, as I was not allowed to use the account for the intended purpose. 

I want this credit inquiry wiped from my credit report. It is unfair and deceptive to advertise financing of a purchase when there is no mechanism for the consumer to use the credit line for the purchase in front of them. Further, Citibank 's website provided incorrect and misleading information related to XXXX new account holders. This misinformation should be corrected to prevent future consumer harm. It is unfair for my credit to be negatively impacted in conjunction with this credit inquiry as I was not disclosed as to the fact that I would not be permitted to use the credit line on the purchase for which I seeking financing. I have asked Citibank to close the account and I want the inquiry removed from 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 2020-12-11 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: TX

Complaint narrative:
i did not authorize my credit to be run several times only once with XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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 did not authorize my credit to be run several times only once with XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
This complaint is a follow up on my complaint submitted XX/XX/XXXX due to lack of communication from Bank of America. I received a voicemail from a lady from phone number XXXX EXT XXXX on XX/XX/XXXX, who has still not returned my phone call after several attempts and multiple voicemails I've left her. This matter is urgent and is preventing the sell of my home. 

To whom it may concern : I bought my home on XX/XX/XXXX. The seller had a payoff with First Franklin Financial Corp which was collected on the XXXX at the closing. Fast forward to today. I am now selling my home and it is under contract and our closing date was XX/XX/XXXX, however has been prevented due to this issue. The current title company has been trying to get a lien release from the previous mortgage company and or a cancelled check from the previous closing title company XXXX XXXX XXXX law firm ( XXXX XXXX ) in XXXX Ky. The law firm refuses to give the cancelled check that is proof the loan was paid off and the mortgage company refuses to send a lien release. Here is the problem : First Franklin Financial Corp. no longer exists which was the previous sellers mortgage company, Bank of America now owns First Franklin. I need to get this resolved in order to close on the sale of my home. First Franklin Financial Corp., a subsidiary of XXXX XXXX XXXX  XXXX XXXX  Loan No. XXXX. ( There is a XXXX at the end, but I do not believe this is a part of the loan number. ) Bank of America phone number is XXXX, with reference number XXXX. Please note we do not have a Bank of America account number. This is added information to the prior complaint that I have filed on 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 non-monetary relief
Consumer complaint received 2020-12-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dear Sir/ Madam, I had a loan with SunTrust Bank . 
My loan number was XXXX. The bank used to collect and pay on behalf of me Hazard Insurance and Property taxes. 
I sold my house on XX/XX/XXXX. and supposed to get remaining balance of unused amount of the Hazard Insurance.

I spoked numerous times with SunTrust bank XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX without result. 
I spoked with Mrs. XXXX, XXXX XXXX, XXXX XXXX, all those personnel, refusing to send my money back. 
The bank is still holds my refund of {$100000.00}. 
I need help! 
My name is XXXX XXXX email : XXXX Phone : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
I have been living in XXXX  for 4 years now and on XX/XX/2020 a collection was placed on my credit reports for a debt the debt collection that was opened XX/XX/2020. I have NO KNOWLEDGE of this debt nor was I given the due process/right to dispute this debt I know NOTHING about. Like I said I have been in XXXX for 4 years and this is a debt from XXXX. I have no information on what information that clearly MATCH mines, make this my bill, or when this bill/medical visit was made because the information clearly states 2020 and I have NOT had any doctor visits in XXXX. I have absolutely NOTHING. They failed to send anything to me so I could have disputed this debt in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase does not have the ability to close one 's account on their website ( or it is hidden ). It is not a menu option at their phone number. It is all but impossible to contact a person at the phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11 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: TX

Complaint narrative:
I have been sending letters to the credit bureaus for months to correct the misreported accounts on my credit report and have NEVER received a response from them. 2 months ago I filed a complaint with the CFPB for them to respond to me and even so, the credit bureaus continue to ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank - The only creditor I have that decided to randomly check my credit during COVID did so twice in a 5 month period. XX/XX/2020 decreased my limit from $ XXXX to {$4900.00} claiming my credit score dropped to XXXX when in fact my score in XX/XX/2020 was XXXX. A second time, XX/XX/2020 decreased my limit from {$4900.00} to {$4200.00} this time claiming it was because I had no real estate. 

They did not reach out to me to tell me prior, they did not reach out to see if I needed assistance during COVID like every other creditor I have. Instead, they decreased my limit, which as we all know negatively impacts my score. 

Today, while going through my account, I notice another fee of {$240.00}, I come to find out they are late fees, however I have never been more than a few days late, and that is mostly because a weekend could have passed and my bank didn't send it. Apparently, they offer no grace period, which is completely absurd considering I also always pay more than the minimum payment so that I have it paid off before the interest kicks in. They never informed me of being late or that there were fees associated and that there was no grace period. Not even for a few days. That is completely unfair. They are personally hurting my credit and now basically stealing from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have had a credit card account in good standing with Wells Fargo ( since it was Wachovia ~XX/XX/XXXX ). I also had a checking account that was linked to the credit card account for overdraft protection. I decided to close the checking account in XX/XX/XXXX, while both accounts were in good standing with a XXXX  balance. I spoke to a Wells Fargo representative on the phone in XX/XX/XXXX & he said he would take care of closing the account. I got a " confirmation '' email that suggested I look for correspondence regarding my recent call in the Message Center on Wells Fargo 's website. The Message Center was empty, but I did not think anything of it at the time. I did not check back, thinking the checking account had been closed as communicated. Meanwhile, I left the credit card account open to maintain 17-18 years of good standing on that credit account. However, the checking account was never closed. Further, it needed a minimum balance, so the credit card pulled money into it each time it reached below the minimum & charged interest on itself, while adding additional late fees & overdraft fees. I was not making these charges, nor had I authorized them since I thought the checking account was closed. When I realized, around XX/XX/XXXX, that this had been happening, I disputed it. My account had been in good standing until that point. They opened case after case, didn't call me back, " understood '' & said they would " take care of it '' over the phone, then closed the case unfavorably without talking to me, saying I owed the money for the self-perpetuating, unauthorized charges. Each time, I was on the phone with them, they would say it was a miscommunication & would be able to take care of it. Then I would never hear from them after they opened a case & I would receive a closed case resolution letter saying I owed all the money. I kept trying to fight it & wait for them to call me back as they said they would. In XX/XX/XXXX, they did a charge back on my account. I was in good standing with them for 17-18 years. There was no reason for me not to be able to pay a ~ {$150.00} credit card bill, but it wasn't mine to pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: CITIBANK, N.A.
State: GA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, CITICARDS CBNA add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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