vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I've experienced some rough patches in life that were very difficult to handle due to some some personal issues. I have always tried my best to get every single payment in on time, however there were a few times in the past that I was late. Ever since then, I have been a great customer and have even paid early a few times. With the exception of those few late payments, my track record for paying on time has been great. However, the few times that I was late shows up on my credit report and this can make it extremely hard to qualify for a mortgage, auto loan, etc. as I'm sure you know.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ZWICKER & ASSOCIATES
State: OR

Complaint narrative:
XXXX, XX/XX/21, XX/XX/21, XX/XX/21, XXXX company calls from different numbers all rigged to show up as XXXX XXXX on caller IDs. 

During the first call the company XXXX Zwicker and associates ) claimed to be working for XXXX XXXX, and that if I paid my debt it would not be reported to credit agencies as collections. I calledXX/XX/XXXX at this time and was told my debt had already been sold to a third party ( Zwicker ) and that it would/had already been reported to credit agencies. 

This company is putting elaborate efforts to mislead consumers about the state and nature of the debt is owns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was in Sams club and a club employee came to me asked if I was interested in receiving store rewards. She proceeded to ask what kind of card I had and she could see what additional rewards I could receive. I gave her may name and she looked up my membership and she asked that I put in my social security number. When doing so she said congratulations you have been approved. At that point I looked at the XXXX and noticed it was for a credit card. I told her that I didn't want a credit card. She said, well you were approved. I explained that I didn't want it and she said when the card comes in just cancel it. I told her to cancel the transaction and she showed me were she went back and answered NO to several questions and she stated that it should be okay. By the time I got to my vehicle I got a notice from XXXX XXXX that my credit was ran. When I got home I called Sams credit card company and they notified me that I was approved for XXXX. I requested them to cancel the card immediately. 
The Sam 's associate was very misleading and I am in the process of refinancing my home and her actions can can result in me not being able to get a loan for my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
This is a follow-up to a previous complaint already submitted against Pentagon FCU ( XXXX # XXXX - XXXX ). 

On XX/XX/XXXX, we received an update from the customer service supervisor at PenFed that we'd been working with. This supervisor told us that the credit repair case we had open has now been closed by the credit repair department at PenFed with no action taken - i.e. PenFed is now refusing to reverse their previous hard credit pull against my wife ( issued via targeted and discriminatory practices ) to a soft pull altogether. This is a reversal from their previous assertion that they would work with XXXX  to reverse the hard pull to a soft pull, and it would take 30-45 days to complete. 

This decision was made despite the fact that 1 ) the hard credit pull was made in a targeted fashion against my wife, who has a foreign-sounding name and is female, but not against me ; 2 ) my wife is not the primary account holder for the account and is not the PenFed member for our relationship with them ; 3 ) neither I nor my wife have requested any credit product from PenFed that would require a hard credit pull ; and 4 ) every customer service agent and manager we have spoken to ( including the supervisor we spoke with on the XXXX ) has repeatedly confirmed that this hard credit pull should never have been made - which we have evidence of. 

From this, we can only conclude that PenFed is doubling down on their previous discriminatory and targeted actions and the fraudulent explanations they have provided for these actions by having closed this issue without corrective action, despite having acknowledged their wrongdoing on record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10 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: DISCOVER BANK
State: IL

Complaint narrative:
Those items are identity thefts and do not belong to me. I do not recognize them and never had those accounts. My info was most likely compromised. I want XXXX  to remove them immediately as they are hurting my credit scorXXXX. They are not contributing with sending proofs of signatures, and will get an attorney to further proceed if they do not do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10 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: KY

Complaint narrative:
I have disputed this same erroneous collection with XXXX  and Transunion several times. I even sent a 611 Act ( a ) ( 7 ) letter to both credit bureaus after my disputes requesting a complete list of all documents and correspondence with and all names and contact information of employees that the credit bureaus spoke with as part of there investigation. I asked for verification to show proof ( something signed by myself ) etc. to show me proof that the XXXX XXXX XXXX XXXX  belonged to me. Never not once did I receive the information I requested and the reason being is because this is a erroneous account that doesnt belong to me. Its really upsetting that I am continuously having this same issue over and over and over again. 


Below is my last complaint with CFPB : I filed a dispute with Transunion and XXXX  on XX/XX/2020, XX/XX/2020 and XX/XX/2020. The dispute was for a collection on my account from XXXX  ( XXXX  XXXX  ) When I first disputed It, I received a response of Reported by data furnished. I then wrote a letter asking for verification of the collection and also asked for a complete description of what methods the credit bureaus used to investigate my dispute. I asked for correspondence and a list of all documents including all names and contact information and employees that they spoke to in there investigation. I have never received this information from either credit bureau and it has been well over 60 days. I am requesting the removal of this XXXX  ( XXXX XXXX  account ) in which I have no knowledge of being mine from my Transunion and XXXX credit report. 

REPORT NUMBERS FROM PREVIOUSLY FILED COMPLAINT AGAINST TRANSUNION AND XXXX  ON THIS SAME ISSUE XX/XX/2020 XXXX XXXX  XXXX Transunion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Municipal Collections of America Inc.
State: AL

Complaint narrative:
Received a phone call today from XXXX. I usually do not answer these numbers but being that we had a mattress delivered I assumed it was the company for a survey which I was going to take because they provided expedient service. Like less than 24 delivery. Awesome. 

I answered said hello. She asked to speak to a " XXXX XXXX '' ... my name is difficult to pronounce for some but the way she was struggling to continue with her script I just hung up and chalked it up to spam. I decided to XXXX to find out what XXXX the number is attached to. It came back as XX/XX/XXXXXXXX XXXX XXXX of XXXX XXXX. 

This is a surprise to me as I NEVER am late on bills and payments. Thought seriously about every possible bill I could have and then XXXX further about this company. This is a fraudulent company attempting to collect on traffic tickets. I wish I had let her continue but the websites are the best I can offer. There is no reason for a debt collector to be calling me about a debt in Iowa when I've not been there. 

When I call back they just hang up. Something is fishy here. The number is used on the City of XXXX XXXX webpage and also City of XXXX. I've never been to either place https : XXXX https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

WAKEFIELD AND ASSOCIATES ( Opened XXXX. XXXX, 2020 ) did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAArights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stuart-Lippman and Associates, Inc
State: VA

Complaint narrative:
Stuart-Lippman is calling about case XXXX and asking me to call XXXX. As far as I know this is not my debt and I didn't open a case with them myself. I don't even know who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: CA

Complaint narrative:
I have held a bimonthly autopayment of my mortgage on XXXX XXXX XXXX XXXX, XXXX, ga XXXX. I retired from federal service XX/XX/XXXX and moved to XXXX, ca in XX/XX/XXXX. During the 8-10 years that I held a mortgage with XXXX XXXX my payment record was exemplary. My house in XXXX was rented. In XXXX XXXX apparently one of the autopayment failed. XXXX XXXX did not notify me immediately so I could correct the error in a timely manner. Instead they suspended the autopay and I was advised in XX/XX/XXXX that my payment was in arrears for 3 payments. I wrote to the customer service portal asking for the reason why the autopay was stopped and how I could reinstate it. Phone based enquiries leave me on hold for a long time and then disconnect. I chose to use the message board in order to have a trail to enable someone to help me. In fact, I realized that the messages are not reaching a billing agent but a third party call center. The problem of miscommunication, crossed messages, resulted in me submitting payments based on the most recent communication with the XXXX XXXX representative which were returned to be as insufficient since the time passing has increased the amount due. I tried to explain as much as possible but all I got was how in one month I was behind on payment. There was no recognition that for 8 years or more I had a spotless record of payment and I deserved the courtesy of a human interaction for a conversation on the resolution of this issue. The report of poor mortgage payment has directly prevented me from purchasing a home in XXXX, CA. I am XXXX XXXX old been through extremely difficult time since my move to XXXX and all I want is a roof above my head during the last years of my life that I can call my own. XXXX XXXX XXXX actions are unconscionable and inhuman. i m hoping that the report to the credit bureaus will be removed permanently and clear the way for me to obtain a mortgage on my last home. 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 2021-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
My mortgage was sold to Carrington Mortgage Company from XXXX XXXX  XXXX. If I send a payment in the mail, there is no telling if it will get to Carrington on time. After contacting XXXX at Carrington, he informed me that there is no " fee free '' way to pay other than the mail in method. I told him that I do not believe that is fair that my mortgage was sold to a company that does not allow payments to be processed for free online. I was able to make my payments with XXXX XXXX XXXX online for free.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: NY

Complaint narrative:
I disputed inaccurate data on my Transunion credit report on XX/XX/XXXX for an account XXXX XXXX XXXX XXXX that was reported as charged off in XXXX. On XX/XX/XXXX Transunion falsely claimed to have contacted XXXX XXXX and verified the results which resulted in no change to the inaccurate information. When I contacted XXXX XXXX, not only did the information not match what Transunion reported but another reporting agency XXXX XXXX XXXX verified completely conflicting results including a different charge off date, date of last payment, and on time payment activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
Those items are identity thefts and do not belong to me. I do not recognize them and never had those accounts. My info was most likely compromised. I want XXXX  to remove them immediately as they are hurting my credit score. They are not contributing with sending proofs of signatures, and will get an attorney to further proceed if they do not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: UT

Complaint narrative:
Kia Motor Finance - XXXX is reporting a late to my credit file that is erroneous. I had just bought the vehicle and was waiting for my first bill to come in the mail but it never came. I didn't have any in formation like acount number or balance to call and pay. I called them to let them know i didn't know how to proceed and they helped me out. It was not my intention to be late i just had no idea i owed them anything yet. I have made my payments since then on time and plan to keep it that way. I'm requesting that Kia Motors remove this late my credit file. It is not my fault that i wasn't billed and don't think this late way my fault. Kia Motors failed to communicate with me in a timely manner because even after my payment was due i never received any letters, notices, or calls about being late or i would have paid it immediately to avoid this going on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I sent a chat message to Citi on XX/XX/2020 asking them to close my account. the customer service rep confirmed they had closed my account ( it was at {$0.00} balance ). Now its 3 months later and I get an email saying my account is negative {$96.00} from overdraft and monthly bank 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