vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: WV

Complaint narrative:
I went to the XXXX in XXXX. I had a medical card coverage. But somehow still ended up with a bill. I never received the bill until after it had been sent to collection. I called the collection company to see what needed to be down considering there should have never been a bill, the medical card should have covered it. The collection company proceeded to tell me not to pay the debt. That would drop my credit score down further. But instead pay them {$190.00} to have them file a dispute and have it removed from my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I opened an account online with Wells Fargo, and never received a debit card. All of a sudden one day I saw random charges on my card. I explained to Wells Fargo that is was not yet me. They refused to refund my money and tell me that the case was closed and they refused to refund my money. I still do not have a debit card for. this account until this very day and they stole my money, over {$2000.00}. I have never made one debit card or credit purchase with my account because I never had a debit card. Someone got my debit card somehow, yet wells Fargo refused, and I mean REFUSED to reimburse 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 2022-08-24 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/XXXX - Synchrony Bank / Paypal made a hard inquiry with my social security number via XXXX under my maiden name XXXX XXXX that I changed 12 years ago and an old address from 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 2022-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST CITIZENS BANCSHARES, INC.
State: AZ

Complaint narrative:
I have moved. I want to pay off this loan so I can sell the vehicle. I need the title to come to my new address. 

I have been trying for XXXX days to get the address updated. Starting on XX/XX/XXXX. 

They requested documentation proving new address. I sent them a copy of my latest bank statement with current address. 

XX/XX/XXXX I asked when will this be done. XXXX is unavailble. 

XX/XX/XXXX I asked when will be done. Reply = Soon. I ask could I speak to a supervisor, Told none available. 

What in the actual # # # # is going on???? I can not move forward without a simple address change. 

XX/XX/XXXX went to XXXX of their branches, told their system will not allow them to pull up the account. WHAT???????? 

Bank is CIT Problem still unresolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I received a copy of my credit report and noticed all of these Auto finance inquiries I didn't authorize : XX/XX/22 COAF XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 CAPITAL ONE AUTO FIN FINANCE XXXX XXXX  XX/XX/22 XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
My name : XXXX XXXX Ph # XXXX email : XXXX Name on Account : XXXX XXXX XXXX  : Citibank XXXX NY Branch Date promotional deposit of {$50000.00} made : XX/XX/XXXX I made a deposit of XXXX into my above Citibank on XX/XX/XXXX under the Citibank promotional deposit scheme that {$500.00} will be credited into my account after XXXX months and if money remains in the account for 6 months. 
The money has remained in the account for over 1 year ( actually money balance is still {$50000.00} in the account as of date XX/XX/XXXX ), but Citibank refuses to honor their commitment to credit me with the promotional amount of {$500.00} into my account. 

I have contacted XXXX XXXX XXXX, Manager Citibank XXXX, NY Branch repeatedly for over 9 months now, but she refuses to credit the {$500.00} promotional fee amount. She keeps saying " matter is escalated '' for last 6 months ( after initial complaint ) now, and I feel that this is going beyond normal and routine delay. 

She also refuses to make contact with me over the phone despite repeated calls to the branch ( Citibank XXXX NY ) Please help me get the promotional fee of {$500.00} that they advertised they will pay, and ask them to honor their commitment, after keeping my {$50000.00} for over one year now. 
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 2022-08-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have dispute about a bankruptcy they fail to investigate the account properly and verified as accurate and according to the court they do not report to credit to Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
Non stop this company is harassing myself, XXXX XXXX. They call while im at work and say i owe a debt and dont even know who they are!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WLCC
State: FL

Complaint narrative:
A loan offer of {$300.00} was extended to me online but to accept the loan it required me to authorize automatic debits from my checking account. I did not accept because I wanted to make payments manually instead. The lender called me and asked if Id like to accept the loan offer and I said yes, but only if I can accept it without authorizing automatic payments. The person said that was not an option and then told me nevermind, it looks like we wont be able to offer you a loan. I will attach copies of the emails I received where they at first offered me a loan and then later denied the loan after I had spoken with the company about declining automatic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
The company in question is TRANSWORLD SYSTEMS INC I reached out to both Transworld and XXXX, XXXX, and XXXX about the account but to no avail. 
When I reached out to Transworld to let them know the information was inaccurate because I did not open an account with them, especially for the dates being reported. 
the information was totally false and I've never done any business with TRANSWORLD SYSTEMS INC And thru the credit bureaus investigation, they have not provided any proof of me opening an account but still allow this account to hinder my credit score and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a natural person, I am a living human being, I have right under 15 USC 1681.

Experian is governed by 15 USC 1681, and they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish this account : XXXX XXXXXXXX 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 2022-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
Regarding response to original complaint # XXXX. Information is not accurate. Response is generic and doesnt help with the accuracy of my issue. My complaint is payment and interest reflection is incorrect. Ive made all my payments on time and most always before the due date for the full amount. In the companies response its stated that I didnt always make full payment/ and or consistently is incorrect. How is that statement correct when they acknowledge Ive never missed a payment? and stating my payment were not in full payment so more of my payment is applied to interest is incorrect. Again, my account has never missed a payment. My due date is the XXXX of every month and all my payments are made all before that date most of the time a week in advance, and in full + more {$50.00} more on almost all payment. Please again look into this matter which is urgent and time sensitive. I am still making payment on this account and having the same issue of more of my payment is going to interest instead of principal. Ive had this account for more than a year and as payment is made over time less of my payment should be going to interest and more toward my principal. I feel I am be robbed and not receiving an accurate response and information. This account is has been taking my money and not applying my payments correctly. Also the contact information provided to call is sent directly to a voicemail. No one answer the phone and are told someone will respond in 24hrs. Im confused an Executive line is a voicemail. Please again I am not happy with the service I am being provided and with this loan in it entirety. Again I am aware of the loan type but also know my payments are not being processed correctly as they should. I look forward to my account being corrected and incorrect payment funds be reimbursed to me and applied correctly to my principal. If possible I do not wish to do any further business with OneMain financial and would like exit this account immediately. Please let me any options. If need I will contact legal services to continue me in this matter. Thank you in advance and hope to have this issue resolved as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a natural person, I am a living human being, I have right under 15 USC 1681.

Transunion is governed by 15 USC 1681, and they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Transunion written permission to furnish these accounts : XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-24 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: Nelnet, Inc.
State: TX

Complaint narrative:
In Accordance with the fair credit reporting act XXXX  account number XXXX Department of Education XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX- {$6700.00} Open balance Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence- Please this is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INTERFIRST MORTGAGE COMPANY
State: OH

Complaint narrative:
I refinanced with Interfirst late last year XXXX. My home insurance was paid through XX/XX/XXXX with XXXX. I made three attempts with XXXX to obtain my insurance billing and never received it. XXXX has since admitted they can find no notes or record of the issue and just that I only called them. Because of the issue with XXXX, I obtained insurance through another provider on XX/XX/XXXX. XXXX notified Interfirst that my policy cancelled on XX/XX/XXXX. Interfirst is engaging in forced place insurance for the time period between XX/XX/XXXX and XX/XX/XXXX despite my interactions with them on this issue. I have just received notice that Interfirst is charging {$270.00} for insurance coverage worth {$330000.00}. My home appraisal which I paid for to obtain the Interfirst refinance is {$250000.00}. The loan balance is {$190000.00}. The insurance company that is providing the policy that is making pay 4x market rate is from a company called XXXX. By all appearances, XXXX is an affiliated company. This action can not meet any definition of reasonable for Interfirst to over value the worth of their loan investment and pad extra revenue for XXXX under the premise they are allowed to force retroactive insurance on a consumer. It not only is taking advantage of a situation I did not cause and also remedied in quick manner, but it is an obvious display of grift and corruption. Why does CFPB not protect consumers from such action? How is CFCB not stopping the practice of over valuing my home so a money lender and insurance company can grossly profit from an unfortunate mishandling of documents by my insurance provider? They are insuring nearly twice the amount of their actual loan risk which is not even a risk when it is past tense and they literally incurred no losses. It can only be grift to deliver pure profit to company at 4x the market rate for insurance. I want CFPB to force explanation of Interfirst 's relationship with XXXX? Why InterfirsXXXX has not sought competing bids? and why Interfirst is now valuing my home, for their own purposes and not mine, to be at {$330000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: NY

Complaint narrative:
Hello, I'm reaching out because i have an unauthorized inquiry ( 3 ) on my Transunion report and i need them removed. I'm currently trying to get approved for a mortgage. Having these unauthorized inquiry 's removed will put my family and I in a much better position to get our house. Thank you in advance!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: TX

Complaint narrative:
My loan was transferred from XXXX to CMG in XXXX of XXXX  after a lengthy process and lots of problems that I ended up filing a complaint on ( you can see all those details on my account here ). Now CMG is doing the same things pretty much. My home owners insurance was XXXX XX/XX/2022 and is now past due because CMG hasn't made the payment. I have been on the phone with approximately 8 people today and all know nothing about what is going on, I asked to talk to escrow and can't seem to get anyone to transfer me to escrow. I pay my payment every single month and they take my escrow out every single month yet they aren't paying the bills that it is to be utilized for. I called and verified with my insurance department that the bill was mailed to the right place and the loan number was correct, and asked them to fax it over to the number that one of the many representatives that I talked to had given me ( she did it while I was on the phone as well as emailed me a copy ), I know they have what they need to pay the bill, they are negligent. I have looked at this companies reviews on the internet and this is not an isolated problem, this is a MAJOR problem and is not okay. I just want to know that my stuff is being taken care of ... .last year I had to pay my taxes out of my pocket even though I paid escrow each month to cover that, and I never got reimbursed for it. Now, looks like I'll have to pay my insurance out of my pocket even though they have my money sitting in the escrow account to pay it. I've asked to not have my taxes and insurance escrowed and let me just handle it myself and was told that it is required that my loan has escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
on XX/XX/2022 I contacted Transunion that there was inaccurate information on my credit profile and asked for it to be removed and nothing was done it has now been 60 days and the item is still there, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX  - {$1300.00} Open balance Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of The FCRA Reporting falsely Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 

please provide original documents! this is not mine I have no record of ever having this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I received a copy of my credit report and noticed all of these Auto finance inquiries I didn't authorize : XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/22 SANTANDER XXXX XXXX XX/XX/22 XXXX XXXXXXXX AUTO XXXX XXXX XXXX XXXX XXXXXX/XX/22 XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX - XXXX XXXX

Company response to consumer: Closed with explanation