vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover is in violation of federal law pursuant to 15 U.S. Code 1692c ( a ) ( c ) - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated.

( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Communication is defined as ( 15 U.S. Code 1692a ( 2 ) ) ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

I the consumer have never given explicit written consent for Discover to " communicate '' or furnish an alleged debt on my consumer report. Consumer report is considered a " medium '' where information is furnished.

I demand Discover cease and desist pursuant to federal law 15 usc 1692c ( c ). Discover is in violation if the account is continuing to report on my consumer reports and Discover does not have permissible purpose to report this account pursuant to 15 usc 1681b.

Immediately remove from all consumer reports DISCOVER FIN SVCS LLC Credit Card with account # XXXX with a balance of {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: FL

Complaint narrative:
XXXX, XXXX AND TRANSUNION HAS SOME ACCOUNTS ON MY CREDIT THATS NOT MINE AND THEY REFUSE TO DELETE.

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 2022-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
The owner ( XXXX XXXX ) mother ( XXXX XXXX ) has my information from a tax return I never collected from her, they are accusing me of messing up an apartment I only stayed for 2 months and left peacefully and clean space.now they arnt giving me my return and they arnt giving me my money I payed them for the month when I left on the XXXX XXXX  XXXX. They sent me pictures blackmailing me and blaming me for things I never did. Now they are using my information to fraudulently tie my name to a lease I never signed and I didnt live in for the whole duration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: I.C. System, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I received an alert of a new derogatory collection placed on my credit. The collection agency is I.C. System Inc. The original creditor is XXXX XXXX in the amount of {$1000.00}. In XXXX, I settled all my derogatory collections in order to repair my credit including XXXX/I.C. Systems. I paid it off completely. I was shocked and extremely frustrated when I received this alert. When I contacted I.C. Systems. They described the debt and it doesn't and never has applied to me. Please help!

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 2022-03-30 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I went to hospital in XXXX 
Hospital did not bill the department of veteran affairs like I said to, and they sent the bill to collections immediately. 

I have the VA agreeing to cover the care and the creditor stated that they are removing it. 

Transunion isnt updating their system to reflect this change and the damage to my credit has not been reversed.

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 2022-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: IL

Complaint narrative:
Borrowed XXXX. Payments are XXXX weekly. I was told payoff is XX/XX/2022. Now was told 9 more payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/2022 I purchased picture hooks from HSN which made claims that the hooks were reusable and that the smaller hooks held a total weight of 11 lbs while the larger hooks held a total weight of 18 lbs.I recently went to hang a picture in my family room which when weighted was 36 lbs. So I used 3 of the larger hooks which the combined total weight was suppose to be 54 lbs to hang the picture. Well approximately 1 hour later, I heard a loud crash my picture had fallen off of the wall damaging the frame and the glass. I called and spoke with HSN on XX/XX/2022 to reference the false advertising for the hooks and my damaged artwork. I requested for them to have my artwork repaired, they in turn offered only {$25.00} dollars for compensation. I stated to them that the offer was unexceptable. I requested from their their corporate staff that they need to have the artwork repaired at their expense. 

Please see collaborating documentation Your assistance would be greatly appreciated Your truly XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
New Complaint, I am Depressed Very Bad, XXXX is hurting me causing damages where as i am moving this month and can not let them check my credit due to experian dropping my score drastically. It has cause XXXX  and XXXX  not to mention XXXX knowing, my chances are next to none now because of experian. I've did some of my own research and found on public law this is Identity Theft, As I Search Public Law 18 USC 1028a that is Aggravated identity theft, I do not consent to XXXX Furnishing, Housing or producing my personal Information. I did not give written consent for XXXX to do so. As I Search Public Law 15 U.S. Code USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. All Codes Public Law

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 2022-03-30 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: LEXISNEXIS
State: PA

Complaint narrative:
New Complaint, I am XXXX Very Bad, XXXX is hurting me causing damages where as i am moving this month and can not let them check my credit due to XXXX dropping my score drastically. It has cause XXXX  and XXXX  not to mention XXXX knowing, my chances are next to none now because of XXXX. I've did some of my own research and found on public law this is Identity Theft, As I Search Public Law 18 USC 1028a that is Aggravated identity theft, I do not consent to XXXX Furnishing, Housing or producing my personal Information. I did not give written consent for XXXX to do so. As I Search Public Law 15 U.S. Code USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. All Codes Public Law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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:
XXXX, EQUIFAX AND XXXX HAS SOME ACCOUNTS ON MY CREDIT THATS NOT MINE AND THEY REFUSE TO DELETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: FL

Complaint narrative:
EXPERIAN, XXXX AND XXXX HAS SOME ACCOUNTS ON MY CREDIT THATS NOT MINE AND THEY REFUSE TO DELETE.

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 2022-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have had an account with Synchrony Bank Home account since XXXX. Back in XXXX I misplaced my credit card and called Synchrony Bank for a replacement card. However, I never received a replacement card to use my account. 

On XX/XX/XXXX I received a notification from the credit bureau. When I reviewed my account, I noticed that my Synchrony Bank Home account was no longer showing on a credit report. Then I see that the account was closed by the creditor stating lack of usage. With respect I can not use my card if I misplaced it and requested a new card and never used it. I did not owe a bill and my payment history is exceptional. Nor was I notified that the card was going to be closed. 
Im very disappointment by these actions and unfair treatment by Synchrony Bank. This has also adversely affected me causing my credit usage to become higher. Also, my credit score has decreased as well affecting my overall credits score. I can not gain access to my account online to review bill payment history, and merchandise purchases. 

We have been in a pandemic for over two years, and the world is moving forward opening up in XXXX and my credit card becomes closed makes no sense to 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 2022-03-30 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: MI

Complaint narrative:
I filed a dispute about three derogatory remarks from a closed account from XXXX. For example XXXX XXXX reported a late payment which is inaccurate and has been allowed to report a late payment from XXXX to my report each month dropping my credit score each month. My credit scores is dropping around XXXX point a month due to inaccurately reported information. Most recently on XX/XX/XXXX my score dropped XXXX points due to a closed account reporting the same late payment from XXXX, but reporting it each month.

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 2022-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
Recently I was informed about a lawsuit against Santander Consumer USA for sub-prime loans. I myself had a loan with Santander and believe that I may be one of those loans. 

On XX/XX/XXXX, I acquired an auto loan from Santander Consumer USA. At the time of obtaining this loan, because of extenuating circumstances my credit was very poor. My primary automobile was no longer working and I needed an automobile. 
XXXX XXXX at XXXX in XXXX, DE and was approved for financing. The loan was a tier 3 loan and the interest rate was very high, 25.99 %, but I did not really have choice. 

I accepted the loan with a payment of {$520.00} for 72 months, starting on XX/XX/XXXX and ending XX/XX/XXXX. Over the course of the loan, I was offered an extension 3 times and was told the payment would be due for those payments at the end of the loan. This extended the payoff date of XX/XX/XXXX, making the loan 75 months. All payments were made up to that date. 

At that time Santander Consumer USA informed me that I had to pay a balance of {$9200.00} in order to obtain the title to my vehicle. All of the installment payments had been made, including the extension payments. I questioned them about the balance and never received an answer as to why a balance remained. They then started reporting late payments to the credit bureaus for this balance, destroying my credit even though all installment payments were made. I asked for the loan amortization sheet. Once I received it, I noticed there was no pattern as to how the payments were credited to the principle and interest. It did not follow a traditional amortization. Usually in the beginning you pay more interest and towards the end more principle is paid. This did not happen. 

Santander continually harassed me for the balance and threatened to repossess the vehicle. I ended up taking a loan out from my XXXX to pay the {$10000.00} they demanded. After several weeks they released my title. 

I can not believe that this is a normal, ethical business practice. I am writing to find out if there is any recourse available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
I received a XX/XX/XXXX letter from Linebarger Goggan Blair and Sampson In response to a complaint I filed with CFPB. XXXX XXXX started in this letter that the funds that I discovered had been illegally intercepted were the result of an account that had been forwarded to their office in error by the XXXX XXXX of XXXX XXXX. XXXX XXXX XXXX started in his letter that these funds would be returned to me. 

I contacted the XXXX XXXX upon receipt of the letter from LGBS and the Clerk of the Court disputed XXXX XXXX contention and provided evidence that no account had been forwarded To LGBS and that my original debt to the court for a traffic violation, had been PAID AND RESOLVED in XXXX. 

Additionally, LGBS has received a check for the {$300.00} they erroneously intercepted and have not returned the money they took from me as XXXX XXXX said they would. This company is now collecting interest on money that belongs to me, has not returned my {$300.00}, and has a history of Class Action settlements for unsavory business practices. 

Please post my complaint as Linebarger Goggan Blair and Sampson continues to use illegal means to collect and make money by illegal and deceptive means.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ON XX/XX/2022 I MAILED TRANSUNION A RE-INVESTIGATION OF DISPUTED ITEMS LETTER. THE MAIL WAS DELIVERED IN PERSON AND RECEIVED IN PERSON BY A REPRESENTATIVE OF THE COMPANY. UNDER THE 15 USC 1681 SECTION 611 THE COMPANY HAS 5 DAYS UPON RECEIVING A DISPUTE LETTER TO RESPOND BACK TO THE COMPLAINANT WITH A NOTICE OF DISPUTE SAID DISPUTE. I NEVER RECEIVED ANY CORRESPONDENCE FROM THE COMPANY OR A REPRESENTATIVE OF THE COMPANY TO DATE. TRANSUNION IS IN BLATANT VIOLATION OF THE LAW THAT GOVERNS THEIR LINE OF WORK, LEAVING MYSELF AND OTHER LIKE ME IN VULNERABLE AND IN DESPAIR. ATTACHED IS THE US POSTAL CERTIFIED MAIL NUMBER AND PROOF OF DELIVERY. IN RECOMPENSE, I DEMAND TRANSUNION REMOVE ALL ITEMS IN QUESTION.

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 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy XXXX XXXX XXXX XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have had a target credit card and paid my bill using a debit card. I set up auto pay for future payments. I did not realize until I called, after receiving a letter in the mail, that my bills were not being paid. When I called Target XXXX XXXX they said auto pay was not set up and they were sending EMAILS only to notify me. I DID NOT receive the emails or I would have known and paid. I have worked very hard and have great credit. 
I then received a letter from XXXX a debt collector. When I received this in the mail, I called and began to sort this all out. I paid off the bill in full immediately. However, this is also affecting my credit score negatively. When I looked up my credit score it was lowered by XXXX points and also showed that Target reduced my credit limit from {$1500.00} to {$300.00}! 
I have never not paid a bill I owe and I was not receiving the emails they claimed to be sending, and I believe this is unfair. 
I have paid the entire bill off including late fee but do not think it is fair. I would like somehow to have my credit adjusted through the three main credit reporting agencies ( XXXX, XXXX, and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I was in process of a cash out refinance with Wells Fargo on my home and have been given multiple options with completing the process, however the underwriter contacted me directly asking inappropriate personal questions about why I chose to move to the area of XXXX. 
The next day ( today ) I was given unreasonable lists of documentation to submit that are not typical or necessary. I have over the amount of the pending mortgage at this banking institution and 4 times the amount of pending cash out in property.

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 2022-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Credit Card Services is reporting a XXXX days late and a XXXX days late in XXXX and XX/XX/XXXX after I paid the account in full in XXXX of XXXX. 

At the time of payment I contacted Chase and was told what the balance was and paid it in full ( please see the attached letter ) and there would be no other charges. Chase then proceeded to apply interest on the previous paid balance but did not send a statement or an alert. 

Because they had closed and ended our banking relationship in XXXX of XXXX I had no idea there was an outstanding balance until I logged back into my online portal in XX/XX/XXXX to get statements for tax purposes. I paid the balance immediately asked the rep had my credit been compromised and was then misled by the rep and told no. 

This is completely unfair. Chase has proceeded to stonewall me, not answer my questions in the dispute and continue to report false information. 

please help me. see the attached letters

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: IL

Complaint narrative:
Capital One On XX/XX/2022 I received a notification that someone applied for an account in my name and identity. However, it was not me. Upon this notification from XXXX I immediately filed a police report. I have also called Capital One to have the hard inquiry removed from the Credit report and the hard inquiry has not been removed going on two months now. Requesting for the hard inquiry to be removed from my credit reports.

Company response to consumer: Closed with explanation