vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Unifin Inc.
State: FL

Complaint narrative:
I received a letter from a debt collector, UNIFIN. I tried 3 separate times to solve a debt with them. I spoke to the 1st agent and gave them the reference # XXXX, I could not afford the payment options they offered, but the letter did state that if I contacted them they would try to work with me. I was offered to settle the debt for XXXX for {$1000.00}. Which I could afford, instead of the {$1400.00}. They took that money and applied it to another debt that I was not even aware of and does not appear on my credit report. I feel that this is fraud. I was promised a email receipt and never received one. My payment was on XX/XX/2020. I called on XXXX XXXX to complain that nothing had been reported to the credit bureaus yet and found out from another agent that there was not payment made for that account. It had been applied to a credit card account. I was shocked. I asked to have this money applied to the original debt as arranged, but I was refused. I asked for a manager. I spoke to a person by the name of XXXX and was told that they could give me a refund of the money and that was all. I was to receive it within 3-5 business days. It never came. I contacted them again on XX/XX/2020. Again I was told the same thing I would have to wait 3-5 days for a refund and I was given another apology. I do not trust this company to come through with their promise of a refund. I really need your help. All I wanted to do was settle a debt. Now I am out my money and still have a bad mark on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: NJ

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.

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 2020-02-28 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2020-02-28 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: MO

Complaint narrative:
On XX/XX/2019 XXXX XXXX sent an alleged claim of debt to 'CONSUMER '. As precribed within Consumer Protection Statute, a prompt Notice of dispute was sent to XXXX XXXX. This Notice was recieved by XXXX XXXX via USPS, on XX/XX/2019 ; subsequently XXXX XXXX   were in recipt of a series of NoticesDemanding proof of claim, Full Disclosure, Assurance of Due Performance, Holder in Due Course & Notice of Non Response ( all were provided to EXPERIAN ). 

II. On or about XX/XX/2019, EXPERIAN began reporting this fraudulent account without lawful verfification, and without having any physical evidence on file. For this reason, A Notice of dispute was sent to EXPERIAN, which they received on XX/XX/2019. Also, this account was being reported as an alleged Medical debt. For this reason, a 2nd Notice of dispute was sent on XX/XX/2019 and received by EXPERIAN on XX/XX/2019. 

In response, EXPERIAN provided REPORT # XXXX on XX/XX/2019 : Where XXXX XXXX was certified as having a Balance of {$580.00}, & being past due as XX/XX/2019. For this, a Notice was sent to EXPERIAN, requesting the process of its investigation. EXPERIAN was in receipt of Notice on XX/XX/2019. 

Further, EXPERIAN supplied REPORT # XXXX on XX/XX/2019 : Where XXXX XXXX was certified as having a Balance of {$600.00}, & being past due as XX/XX/2019. Lastly, EXPERIAN provided REPORT # XXXX on XX/XX/2019 : Where XXXX XXXX was certified as having a Balance of {$600.00}, & being past due as XX/XX/2019. 

III. It appears EXPERIAN has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. By continuing to communicate incorrect and defamatory information, as received from this third party. 
XXXX XXXX behavior seems to fall under Section 1031 of the Dodd-Frank Act that bans Abusive, Unfair, and Deceptive acts or practices. And EXPERIANs willful acts clearly, violates FCRAs rules of accuracy, disclosure to consumer, procedure of dispute.

IV. I request the Commission provide equitable relief & remedy, pursuant to Title 12 & 15 U.S.C., in light of the above stated violations, in favor of 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
Consumer complaint received 2020-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I have written to Nissan Motors on two occasions pointing out they are reporting a 90 late in the Payment Status when the account shows closed with a XXXX  balance. This is impossible ... .must be a key punch error. You can't be late when the account is closed with a XXXX   balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX of {$350.00} to open checking account with direct deposit. I fulfilled requirements XX/XX/XXXX and called bank XX/XX/XXXX and XX/XX/XXXX. They have no record and are researching it and insist its {$300.00}. I went to a physical bofa branch, XXXX XXXX XXXX with the promo and it was {$300.00} in bank, {$350.00} online. That's what I did, online. Bofa is a lying money grubbing company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Financial Services
State: OH

Complaint narrative:
On XX/XX/2019 my XXXX  showed a hard inquiry to my credit file from the company stated above. I didn't request in writing, in person or over the phone to have my credit ran for any type of credit. Company stated above also sent personal loan information such as amount owed on my loan to my mother. They also called her multiple times a week and would give her information regarding the amount owed on my loan without my permission. I never gave this company my permission to run my credit on XX/XX/2019. I also never gave them permission to to disclose my account number, money owed or payment history with my mother written or verbally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to report multiple violatoins to the FCRA and to my rights as a consumer. Back in XX/XX/XXXX. I sent them a request for a debt validation which they ignored. 

I am demanding a deletion letter and the following item to be removed of my credit reports : WELLS FARGO BANK XXXX, opened XX/XX/XXXX, limit {$300.00}. Balance {$110.00}. 

If Wells fargo denies my request, I will take this to court, since they are commiting defamation of character and I am havin high levels of stress because of this issue. They have not even investigated or marked the account as disputed. It is my right to have this item removed, since they were unable to validate the debt reported under my name. 

Please send the attached documents to Wells Fargo. 

Thank you!

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 2020-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I was in a accident on XX/XX/XXXX and filed a total loss claim with Bridgecrest on XX/XX/XXXX providing them XX/XX/XXXXinsurance company information and also confiriming my GAP coverage through them. I was told at this time that Bridgecrest was  responsible for notifiying and filing the GAP coverage. I was notified by XXXX that they sent a check out to bridgcrest XX/XX/XXXX for {$12000.00} and XX/XX/XXXX for {$180.00}. BridgeCrest held both checks for a lengthy amount of time causing me to occur two late payments XX/XX/XXXX and XX/XX/XXXX. I found this out when my home loan was deneid due to the late payments, I also recieved a higher interest rate on a car loan due to these late payments. Now that the loan is finally paid off, Bridgecrest removed the late payment for XX/XX/XXXXbut have left an late payment on different reports for XX/XX/XXXXXX/XX/XXXX, while reporting XX/XX/XXXX on others. According to FCRA it is against the law to report inaccurate information to my credit report, which in this case my rights has been violated twice with damages. I am asking that the company remove the late payments for dated XX/XX/XXXX and XX/XX/XXXX from my credit reports. This was I can continue my home purchase. I have asked for detailed account information as well but was deneid.

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 2020-02-28 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: TX

Complaint narrative:
I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to an amount of things on my credit that are not mine. I need those items removed as soon as possible please. 

XXXX XXXX XXXX {$300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: TX

Complaint narrative:
I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to an amount of things on my credit that are not mine. I need those items removed as soon as possible please. 

XXXX XXXX XXXX {$300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: AR

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that are opened. I also saw several recent inquiries. Seems like the person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries are not mine. Please take these unknown items off my report. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$4900.00} XXXX XXXX {$1300.00} USDOE/XXXX  XXXX {$65000.00} US DEP ED XXXX {$25000.00} XXXX   XXXX {$2600.00} XXXX  XXXX XXXX {$700.00} XXXX/XXXX  XXXX {$2700.00} XXXX XXXX XXXX   XXXX {$1300.00} XXXX XXXX XXXX XXXX {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EAST WEST BANK
State: CO

Complaint narrative:
XX/XX/XXXX I opened a company account at East West BankAccount nameXXXX XXXX XXXX Account numberXXXX Account XXXX Account opening XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX When opening an account, I told the account manager XXXX that I need to open Premier Online Bankingbut After account openingHe opened the essentials of online banking for meI have repeatedly requested to open a Premier online banking for meHe kept perfunctory me XX/XX/XXXX I received a {$2500.00} wire transferWire transfer from a strangerThis stranger lied to meHe changed money with meThen charge back this wire transfer After receiving the {$2500.00} wire transfer i want Withdraw nowbut essentials online banking like XXXX, i need Manual Fill in the remittance slipand XXXX Very slow processing speedso XX/XX/XXXX I can not withdrawand next day this stranger charge back {$2500.00} wireLater I sent all transaction documents with this stranger to XXXXThen my funds are heldThen i waited till now XX/XX/XXXX I open another company account Account nameXXXX XXXX XXXX XXXX Account numberXXXX Account XXXX Account opening branchXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX is the best bank manager I  have ever metHe is very attentive My account has been working normallyuntil XX/XX/XXXX XXXX XXXX told me their branch needs to close my accountXXXX & XXXX XXXXBecause of another accountXXXX XXXX XXXXHe feels very sorryThen tell me Account balance Will wire it to meI just want to say  XXXX Everything is fineHe is a great banker Then I call customer service XXXXCustomer service is transferred to this branch XXXXThey told me XXXX XXXX XXXX Has been closedAnd the check has been sent to my address XXXXbut I have not received any account closure notices Including email and callThen I asked for the check to be cancelled immediatelyAnd mail it to my US addressThis manager told me that can't cancel the checkOnly wait for the check to be returned and mail it againI ask why? He is perfunctory and bad attitudeVery bureaucraticThe attitude of this branch is like 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 2020-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have written to Capital One three times ( on two of my accounts # XXXX and # XXXX ) requesting proof that I was late and properly charged off. All they do is to write me and say that I was late. That is not sufficient proof. They should be providing copies of every monthly statement showing that I was in fact late ... just like they would have to do if they were going to Court to prove up their case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: U.S. BANCORP
State: OR

Complaint narrative:
An agent from XXXX XXXX  call my place of work ( XXXX XXXX ) and threatened me with being served for my warrant for arrest and jail, wage garnishment, property seizure, etc. if I don't pay them over {$4000.00} for a debt on a credit card I ( never had ) back in 2010 with US Bank. I never had a credit card with US Bank, only a checking account that was closed due to no activity. Their phone number is XXXX and their case number on me is # XXXX. I unfortunately and unknowingly acknowledged my year of my birth, and my last four digits of my SSN over the phone with 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 2020-02-28 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: AL

Complaint narrative:
I Have tried to dispute the XXXX XXXX account on my credit report several times. 
My social security number was compromised and I became aware of it last year and despite my efforts to dispute the XXXX XXXX account, it remains on my credit report. 

This account was opened in my name using my birthdate, name and social security number without my knowledge. I disputed it with Transunion, XXXX, and XXXX  3 times. They refuse to remove it. The XXXX XXXX XXXX also refused to remove it, even though the account is not mine. 

Company name and Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MT 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 2020-02-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony bank placed a 60-day hold on my account based on a disbursement I sought to my XXXX acct. Synchrony contends that my XXXX account was frozen which it is not. Bank also confused my information from a XX/XX/2004account I had with a bank Synchrony recently purchased. Bank is holding {$25000.00} of my money. which is disrupting my ability to pay my bills.

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 2020-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Risecredit, LLC

Complaint narrative:
My wallet was stolen. My license, checks and debit card was in there. I have tried several times disputing the item on my report but they refused to remove this,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Double Cash credit card changed their benefits on XX/XX/2019, but the information was tucked as a part of the XX/XX/2019 statement, not like an update e-mail before, thus I missed the information that they no longer offered Collision Waiver for a rental car. 

We rented a car in XX/XX/2019 from XXXX and they charged us for the damage weeks after. Citibank did not respond our numerous phone calls and a letter, and we finally got their response after we filed a claim with XXXX XXXX XXXX and Consumer Financial Protection Bureau. 

They declined to credit back for the rental car damage, and reported to three credit bureaus to add " disputed by the consumer '' to our credit profile, even though we PAID all the charges on their statement IN FULL.

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 2020-02-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a CD with One West Bank in the amount of {$310000.00} that matured on XXXX. One West Bank did not inform me that the CD was maturing although they have my email address and my mailing address. They told me at the time I opened the account that they will inform me when it matures and I will have a 7 days grace period to either renew or close the account. I received a letter dated XX/XX/2020 on XX/XX/2020 informing me that my CD was renewed on XX/XX/2020 at .846 %   annual rate. I called the bank and told them that I was only informed that they renewed my CD after the grace period had expired. They refuse to either let me close the account or renew at the market interest rate. They insisted that I would have to pay the penalty if I close the account or even if I renew at the market rate of interest. I feel I am being taken advantage of by a big bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation