vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-22 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: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
Dear Sir/Madam, I purchased a brand-new 2020  Honda XXXX  from Honda of XXXX on XX/XX/2020 and I am currently financing through XXXX XXXX XXXX Upon checking my XXXX  credit report ; I discovered that on XX/XX/2020, there were 4-different HARD INQUIRIES made by 4-different auto financial companies which I did not authorize Honda of XXXX  to proceed with. The following are the companies that appear to have made the hard inquiry according to XXXX : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. AMERICAN HONDA 4. XXXX XXXX I would appreciate your prompt response in addressing this discrepancy that Honda of Chantilly made under my name. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: CITIBANK, N.A.
State: PA

Complaint narrative:
1. On XX/XX/XXXX there was a dispute filed for transaction. Citi issued credit but then reversed credit without providing copy of any information of why transaction was reversed. Then in XXXX when I contacted Citi and asked how or why, I was given two different answers. I was Sent a time sensitive, password protected document to sign but the credit card system and the protected email are not accessible! I have a right to request copy of communication and to verify information on my end.

2. Upon requesting documents again, Citi sent a blurb stating, " information requested will not assist or matter in disputing transaction or fraud ''. That is the complete opposite of why a cardholder is or would dispute a transaction and provide proof. 
3. XX/XX/XXXX In contacting Citi again, I have been given run around but more fraud transactions are posting to account. Upon several attempts to go online and call Citi, there is no information being provided to assist or communicate about account. 
I feel like Citi is assisting with fraud being committed on the account. 
4. Citi is discriminating in services to certain cardholders.

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 2021-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES
State: VA

Complaint narrative:
Please see attachments. 
This alleged account was charged off in XXXX, and is on my consumer credit report without my consent pursuant to the FCRA and FDCPA. In XX/XX/XXXX I received this letter from this law firm stating that I owe, that's a violation in itself. As I continued reading this letter it was abusive, threatening in nature and deceptive in all manner. Along with stating this communication is from a debt collector. I have sent to them the exact same Debt Validation Letter/CEASE AND DESIST ; Affidavit of Truth ; EXHIBIT A ; and INVOICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I went to get financing for a car loan.I was excited to go to the dealership until the car salesman came back into the room and informed me that he wasn't going to be able to get me financing for any vehicles. This caught me by surprise because I have always understood the importance of having and maintaining good credit history. So I always did my best to make sure I kept all of my affairs in order. So of course I was full of many different emotions when the salesman informed me that I wouldn't qualify for any financing. These negative items being reported on my credit report are not my accounts. I demand them be removed. This is defamation of character. I am an old woman, there is no reason why someone my age that has never had any run and with the law go through these type of situations. During my entire XXXX umph something years I have done nothing more or less then work hard and take care of my family! This is also a FDCPA violation 15 USC 1692d. Reporting inaccurate items on someone credit report negatively affects a consumer 's reputation. FCRA 15 USC 1681 states that a consumers credit report is the consumer 's reputation. If these items are not removed immediately I will seek litigation. I also provided evidence to support that I was a victim of the XXXX  data breach.

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 2021-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: NV

Complaint narrative:
Contract Callers Inc on XX/XX/2020 sent me a response after disputing the debt {$500.00} account number XXXX saying that they have contacted me and that I confirmed the name and address listed on the account number XXXX original account number XXXX for the amount {$500.00} which is not true. I never confirmed this and have disputed this many times letting them know this is not my account. They asked in the letter that I attached a copy of as proof to provide a detailed explanation of the basis for the dispute which I have done and they still did not fix this issue. I also asked them for verification and proof that I owe this debt and as of XXXX they have not provided any legal documentation and proof, they only sent me a bill. I told them that I never lived at or received mail at the address in question. My name was not on the lease for the reported address and I never lived at the apartment they are billing me for I live in XXXX XXXX and this bill is for the state of XXXX IL at the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX. A address that is not on my credit report or consumer file or have been filed in my tax documents. These items Is severely hurting my credit report and now going against the 609 Fair Credit Reporting Act. I need this collection removed immediately off my Credit Report. I have contacted all parties XXXX, including the company that says this is my bill and have had no help in resolving this issue. This item is incorrect and being reported in error. This is not my address and has never been reported as my address. In my last complaint there response Was a Very long and generic response saying send them documentation and account numbers so I attached the requested documents they need to properly Find this account and resolve this issue.

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 2021-02-22 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: CA

Complaint narrative:
These are not my accounts. Please remove them. 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 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I found out today XX/XX/XXXX that 5th 3rd Bank failed to properly release my mortgage that I had with them. The mortgage account number is XXXX. The mortgage was paid off in XXXX of XXXX. On XX/XX/XXXX the XXXX County Recorders office received an improperly filed mortgage release from 5th 3rd in which case they failed to file the prior reference, volume, and page number. The recorders office stated they sent the release back to 5th 3rd on XXXX. As of today 5th 3rd bank failed to properly release a mortgage that was rightfully paid off in XXXX of XXXX. When I called the 5th 3rd mortgage department they gave me a case number XXXX. They informed me that it would at least be 3 days before I heard anything from them. They also said this process could take 90 additional days to complete. THIS IS A MAJOR PROBLEM FOR ME. I cam in contract to sell my home and buy another one and I can't sell my home until this mortgage from 5th 3rd is released!!!! Please help CFPB!!!!! If this this mortgage isn't properly released soo I could loose the chance to sell my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Hi, I was supposed to be a co-signer for my brothers car and I spoke with the lenders and the dealership to make sure that I was indeed the co-signer only and they assured me yes. So I started receiving bills showing that I was the owner and today I spoke with the representative and she stated to me because my credit was better they flipped it without my consent nor knowledge. This is a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: The Receivable Management Services LLC
State: GA

Complaint narrative:
I never gave XXXX any written consent to report anything on my consumer report, no consent is Identity Theft Under 15 U.S. Code 1681b.

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 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
REMOVE FRAUD INQURIES FROM MY CREDIT REPORT FINALLY! 

This is my third message to make you to accept my complain. Why I still have someone else 's inquiries or fraud inquiries in my account? What is that? Do you understand that this wrong and misleading information just killing my life planning .... How should I proceed if in 2021 Bureaus can not guarantee that they reporting right information plus the system is interconnected this effects on my score and on my financial planning, loans, mortgages and my wife mood .... So could you please get finally my point and apply proper actions?! Please I want to have my own information in my credit report So remove it asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: OR

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is coming up on six months now trying to get refinanced. I knew all along they would never do it as the are always requesting the same documents over and over. Some as much as ten times! They also had me pay for two house appraisals. They also did a hard pull on my credit 3 times against my wishes. They lowered my credit score by over 30 points down to XXXX just from the repeated inquiries. They wasted my time and money with no intent on refinancing ever. They see that I have everything paid and paid on time and never any late payments. They see that I have very little debt ( cars ) and yet they still won't re-finance. I have been led on this entire 5 + months and I am always calling and emailing them. I've had several different agents and contacts just to try and confuse me. It is not fair for a bank to take my money and lie to me about getting my house refinanced and string me along for almost 6 months. That is shameful. They should not be in the business of taking peoples valuable time and money to benefit their bottom line.

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 monetary relief
Consumer complaint received 2021-02-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My Non penalty CD expired on XXXX XXXX with Ally bank. On XXXX XXXX I called the bank and requested wire transfer because they dropped my interest to 0.5 % which I do not agree with. Wanted to transfer to my other bank which is paying 1.5 % interest. In fact I called twice verified the transfer bank advised everything ok it was before cut off day. 
Next day XX/XX/2021 nothing happened then I called 3 times to verify that everything ok.I called before wire cut off time. They advise will be wired out no other information need it. Then Monday received email that needs copy of driver license. I sent copy and called again. No wire has been sent out. 
I think the bank willfully withholding my money. It is unfair and illegal conduct and causing me to lose money such as lower interest they pay and other investment opportunities

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 monetary relief
Consumer complaint received 2021-02-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: FL

Complaint narrative:
I wrote the FTC after contacting Discover and nothing happened, so I am writing them again today to dispute the claim. It is not mine and I want it off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
The basis for my dispute SYNCB/LOWES XXXX XXXX, SYNCB/LOWES,XXXX {$5800.00} - was required to notify me prior to XX/XX/XXXX, or no later than 30 days after. 

SYNCB/LOWESfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, SYNCB/LOWES '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of New Jersey allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) SYNCB/LOWES XXXX XXXX failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve SYNCB/LOWESis held liable as well for defamation and in the state of New Jersey a creditor is who collects their on debt is considered a debt collector under FDCPA. Smith v. Heard 980 S.W.2d693 ( Tex.App-San Antonio 1989 reh.den. ) citing Monroe v. Frank 936 S.W.2d 654 ( Tex.App-Dallas 1996 writ dism 'd w.o.j. )

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 2021-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management
State: MS

Complaint narrative:
FOX COLLECTION CENTER is reporting a medical debt that was paid by my attorney during a settlement with the original debtor. I have tried to get this removed thru the XXXX  dispute center. Fox Collection Center responded that the debt was verified. They did not say how it was verified only verified. I have complaints from others that the Fox collection center goes out to an electronic bulletin board and purchase account without even verifying that these debts are still unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
I first called on XX/XX/XXXX to let them know that there was a fraud through western union. There was money transferred in the amount of XXXX to XXXX, and i have no clue where that is. I spoke to a supervisor on this day and she stated it was a inside job and I will have the funds within 7-10 and the police would be involved. I then received a letter from my bank that the fraud charges that i called about and was refunded to my account would be taken away due to western union stating that it was mine. On XX/XX/XXXX I then spoke with another supervisor that the fraud case was not done properly by the first supervisor and he would submit the fraud claim and i would receive my money wthin 7-10 business once again. Throughout this time frame i have spoken to at least 8 reps and 3 supervisors and this has yet to be fixed. This is going on 4 months and I want my money ASAP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
EXPERIAN is reporting XXXX XXXX  account XXXX. I was not primary borrower on account. I provided evidence of primary borrower filing bankruptcy. Experian ignores my request 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 2021-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CMG Financial Services, Inc.
State: NV

Complaint narrative:
I have been trying to work with my lender for several months now trying to complete a loan modification packet but they have just been giving me the run around. I have sent several faxes with the HOA statement that they had requested and pay stubs with a reduction of hours to show my proof of hardship. On XX/XX/2021, XX/XX/2021 and XX/XX/2021 I submitted the request that was supposed to complete my loan modification packet. My counselor XXXX XXXX has been calling them every week to confirm that they had received the documents and each time they continue to advise that nothing was received even though we received the confirmation that they got everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WLCC
State: FL

Complaint narrative:
XXXX XXXX  supposedly third party company called Apex which is unlicensed decided to contact my employer about a wage assignment. So far to date, I paid about {$1000.00} and the wage assignment was for {$1100.00}. I tried to contact the number but goes straight to voicemail. Time for XXXX XXXX to payback what they took from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I have been an American Express card holder since 1991. One of their cards I carry is the Platinum Card, with the five last digits XXXX. This card offers " Membership Rewards '' points. As I type this I see XXXX points available in my account. I tried to transfer XXXX XXXX of those points to XXXX, the airplane carrier, through the " transfer points '' option. The system did not allow me to transfer the points, even though that is less than 3 % of my balance. Instead, I get the following message which I will quote verbatim : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria ''. 

I have over 30 years of relationship with American Express. To the best of my knowledge I have given them no reason to freeze or withhold my points through these decades. I ask your help to make my points free for use again.

Company response to consumer: Closed with explanation