vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-15 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: IL

Complaint narrative:
XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/2020 CitiBank lowered my available credit on all three of my cards ending in XXXX, XXXX, and XXXX. I have never missed a payment and have all my records to prove so. I called and ask why all three of my cards had their limits reduced to which CitiBank explained they " do not have access '' to that information and that it is " confidential ''. This is a violation of the Fair Credit Reporting Act as they would not give me any response to my inquiry. My spending behaviors have not changed, my income has increased, and now I am going to suffer a dramatic score decrease as my utilizations will go from 50 % to 98 %.

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 2020-10-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I have an account with Toyota Motor Account # XXXX, the payment status which is listed isn't accurate. I have reached out to Toyota Motor to question the payment history They sent me a letter which I attached saying that no late pays existed and no other mention about anything negative reported. I am unsure why I am still seeing negative comments listed on my credit profile ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Debt Solutions Inc
State: SC

Complaint narrative:
On XX/XX/XXXX I received calls at XXXX and XXXX. The calls were to collect a debt from XXXX from a company I had never heard of. I asked to receive a verification of the debt. He said it was already verified and sent to an email I have never used and did not recognize. I asked him to email to XXXX and told him I would call back. I told him not to call XXXX anymore because that is my wife 's phone. On XX/XX/XXXX I received a call again attempting to collect the debt. I told him I had not received the verification letter and until that happened, I couldn't do anything. I asked him to not call me or my family on any numbers and that I would call them when I received the verification. He told me he would call me whenever he wanted and that I couldn't tell him how to do his job. He said I already verified and acknowledged that the debt was mine and that I owed it. I told him that was not true. I then asked him to send the verification and told him that it was my right to not be harassed or receive phone calls. He told me I better do my research and pay my bills and then hung up on me. He then called my wife at XXXX and left a message saying he was talking to me but that we got disconnected and I needed to call back to handle my business.

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 2020-10-15 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:
XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. Ivisited XXXX  XXXX XXXX  XXXX XXXX, XXXX, and XXXX. At XXXX, I was approved for anew car. Upon looking at my credit report, all three dealerships ran my credit throughseveral credit approval companies. I have a total of 46 credit inquires across the three creditbureaus within a 7-day time frame. XXXX  XXXX XXXX XXXX XXXX XXXX placed a hardinquire on my credit 22 times. I sent letters to each of the individual companies andreceived a letter stating I agreed to them running my credit by providing the merchant mydriver 's license. I did not agree or approve these companies to run my credit 46 timesthrough several different companies, including those I have never heard of. XXXX XXXXcould have used the first inquire as it remains available in the system for 30 days. I waspreapproved through XXXX XXXX and presented my preapproval to each of thedealerships. Unfortunately, all three of the dealerships ran my credit through severalagencies without my consent. I did not authorize these companies to run my credit or viewmy credit report. I have contacted these companies several times to request the removal ofthe inquire and even hired a law firm to help, but they will not budge. I also contacted thethree major credit bureaus and I did not receive a response. 46 inquires across 3 creditbureaus within 7 days are truly excessive and violates several consumer laws. I would like all46 inquires removed from my credit. I did not provide written or verbal consent for this tohappen and I am saddened and truly devastation I am not being heard. These companieshave caused unnecessary harm. 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 2020-10-15 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: CT

Complaint narrative:
The last time I sent out my dispute letters was on XX/XX/XXXX. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/XXXX. It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by XXXX, then by law according to the FCRA you must remove the account/s from my report within the next 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
The last time I sent out my dispute letters was on XX/XX/XXXX. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/XXXX. It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by XXXX, then by law according to the FCRA you must remove the account/s from my report within the next 15 days.

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 2020-10-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There is an account reporting on my credit report that I have no knowledge of. I contacted Capital One to verify the account information, but they said they have nothing on file. I gave them the account number reflected on the credit report starting with the numbers XXXX and ending in XXXX which they said they have no record of the account. Then I asked them to run my social security number and they told me that they did not have any accounts attached to my social security number. So they are unable to verify this account but yet they are reporting to the credit bureau. I believe this is a fraudulent account and I would like help getting this resolved. 

sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15 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: Global Lending Services LLC
State: WI

Complaint narrative:
On XX/XX/20 we spoke to XXXX XXXX XXXX XXXX about leasing a vehicle. They were give EXPLICIT instruction to forward the request to the XXXX ONLY. XXXX XXXX XXXX XXXX forwarded our application to the following WITHOUT AUTHORIZATION : XXXX   XXXX, XXXX, Global Lending Services, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Update to my complaint, I was notified that my XXXX could be garnished and was threatened to be. I got a loan and paid off XXXX XXXX for XXXX. I called credit bureaus to notify of illegal debt collection and Law Suit 2016, XXXX XXXX XXXX California XXXX. I was also told by a member of the XXXX XXXX XXXX there a was a lot of information that should have dropped off my credit report, still showing. I also stated to all 3, credit reporting agencies that I was never given a proper subpoena to appear in any court, They sent judgements to my old address 's and failed to contact me VIA e-mail that I have had for at least 30, years to notify me. Again keeping within what DOJ, Ca cited, they served judgements in states where the debtor was not able or given proper legal opportunity to appear. In Violation of Due Process and the 5th amendment in accordance with the OIG U.S. Treasury. They chose to act above the law, for which they again were found of guilty of in 2016. To the best of my knowledge, TSI was collection agency on behalf of USA Distributors in association with XXXX. That I am not sure is or is not the case, I am not able to confirm but hope you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: Sarma
State: TX

Complaint narrative:
XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. I visited XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, and XXXX. At XXXX, I was approved for a new car. Upon looking at my credit report, all three dealerships ran my credit through several credit approval companies. I have a total of 46 credit inquires across the three credit bureaus within a 7-day time frame. XXXX XXXX XXXX XXXX XXXX XXXX placed a hard inquire on my credit 22 times. I sent letters to each of the individual companies and received a letter stating I agreed to them running my credit by providing the merchant my driver 's license. I did not agree or approve these companies to run my credit 46 times through several different  companies, including those I have never heard of. XXXX XXXX could have used the first inquire as it remains available in the system for 30 days. I was preapproved through XXXX XXXX and presented my preapproval to each of the dealerships. Unfortunately, all three of the dealerships ran my credit through several agencies without my consent. I did not authorize these companies to run my credit or view my credit report. I have contacted these companies several times to request the removal of the inquire and even hired a law firm to help, but they will not budge. I also contacted the three major credit bureaus and I did not receive a response. 46 inquires across 3 credit bureaus within 7 days are truly excessive and violates several consumer laws. I would like all 46 inquires removed from my credit. I did not provide written or verbal consent for this to happen and I am saddened and truly devastation I am not being heard. These companies have caused unnecessary harm. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: IL

Complaint narrative:
XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX fraudulent on my credit Account # 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 2020-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have received multiple calls from Portfolio Recovery even though I told them to stop calling this number. Since I have told them to stop they have called me at least five times and the latest was a few minutes ago ( XX/XX/20 XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/20 we spoke to XXXX XXXX XXXX XXXX about leasing a vehicle. They were give EXPLICIT instruction to forward the request to the XXXX ONLY. XXXX XXXX XXXX XXXX forwarded our application to the following WITHOUT AUTHORIZATION : XXXX XXXX, XXXX, XXXX XXXX XXXX, and Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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:
Hello, My name is XXXX XXXX. I am writing this complaint regarding XXXX XXXX XXXX. They are reporting items that do not belong to me and have failed to remove the false information. They have not been able to follow the guidelines stated on the FCRA 605B. I  have tried multiple times to communicate in regards to this. I have done everything they have asked of me and yet they have still failed to remove the items EVEN WHEN THEY HAVE NOT BEEN ABLE TO VERIFY THAT THE ITEMS BELONG TO ME.

They have failed to delete the items even after a lot of communication with them via certified tracked mail. They have exceeded the 30 day turn around time on multiple occasions.

The following are dates that I have tried to communicate and I will be  attaching the letters sent : XX/XX/2020 XX/XX/2020.

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 2020-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My issue is with new Rez / shell point mortgage servicing. Although my mortgage is currently now closed because I sold the home, at the end of XXXX I submitted a payment, however for some odd reason the payment was rejected by the bank. I received no notifications via email from either source. Furthermore, I hadnt received any notifications from the loan servicer in months. At the time it occurred, I had sufficient funds to pay the mortgage if I was notified. I found out by routinely checking online. Once I found out, I immediately schedule payment with a representative. My complaint is that the practice was unfair, not receiving any notice to react while having sufficient funds. Furthermore, I had never been late on my mortgage. Just after this reporting occurred my credit score dropped 70 points. I shared all of the documentation with the company and the impact and have been unwilling to make a change. I feel like this is a targeted practice being  a person of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
A representative from COMENITY bank called regarding my XXXX XXXX account being unpaid. I told the representative what I told previous callers - that I lost my job due to downsizing and outsourcing as a result from COVID 19, that I had only started working again, but at a significant reduction in pay, and that I could not commit to any payment arrangement without properly budgeting based on my new employment. At this point, the representative, " Specialist XXXX '', told me that they were turning my information over to a lawyer to sue me, and take the money owed. I told them that they couldn't do that, especially at my very reduced salary, and that I could commit to a regular payment once I was back on my feet. " Specialist XXXX '' said that that doesn't matter, and that she has no choice but to start legal proceedings, unless I pay an amount that I could not afford. 

As a side note, it was my understanding that companies could not use aggressive collections tactics at this time, due to COVID 19 related financial stressors. Please let me know if this is the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX I ordered XXXX XXXX from XXXX and 1 month service. 
Capita

l one savor card had two charges {$100.00} which includes 2 XXXX XXXX and 1 month of service for each phone and {$50.00} 1 XXXX   and 1 month service. I received the XXXX XXXX but I could not get the phones activated after days of trying. I disputed the charge and they removed it. They  contacted XXXX and XXXX sent an email showing sim cards delivered. That is not disputed. 
I could not get the phones to work on XXXX  for the service. They sent me a letter saying I did not give enough information but I am unsure how to prove I don't have something. I asked them to reopen the dispute and the dispute dept told me they can do nothing it is regulation. I don't see how this is fair how do I prove that I don't have service? 
I filled out an online paperwork showing XXXXk charges XXXX cents plus the {$45.00} plus tax per unit. Savor keeps pointing at XXXX and XXXX has no one I can dispute this with. I called today and she said it was the end no one can do any more. I explained to savor I cant prove I dont have service because I dont have service. XXXX can track the XXXX XXXX and tell they have never had service. I dont understand why this is so hard. Savor asked for additional info proof but I have no proof that I have no service. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I received a phone call the other day and I was informed of a credit card that I had no aware of. They said they were a law firm and if I did not pay the debt by Friday ( XXXX XXXX ), they threatened to take me to court. I am not responsible for this debt and would like something done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. Ivisited XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX. At XXXXXXXX, I was approved for anew car. Upon looking at my credit report, all three dealerships ran my credit throughseveral credit approval companies. I have a total of 46 credit inquires across the three creditbureaus within a 7-day time frame. XXXX XXXX XXXX XXXX XXXX XXXX placed a hardinquire on my credit 22 times. I sent letters to each of the individual companies andreceived a letter stating I agreed to them running my credit by providing the merchant mydriver 's license. I did not agree or approve these companies to run my credit 46 timesthrough several different companies, including those I  have never heard of. XXXX XXXXcould have used the first inquire as it remains available in the system for 30 days. I waspreapproved through XXXX XXXX and presented my preapproval to each of thedealerships. Unfortunately, all three of the dealerships ran my credit through severalagencies without my consent. I did not authorize these companies to run my credit or viewmy credit report. I have contacted these companies several times to request the removal ofthe inquire and even hired a law firm to help, but they will not budge. I also contacted thethree major credit bureaus and I did not receive a response. 46 inquires across 3 creditbureaus within 7 days are truly excessive and violates several consumer laws. I would like all46 inquires removed from my credit. I did not provide written or verbal consent for this tohappen and I am saddened and truly devastation I am not being heard. These companieshave caused unnecessary harm. 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 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please remove my extended fraud alert, security freeze and consumer statement.

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