vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: SC

Complaint narrative:
A company called XXXX XXXX XXXX reported a loan that I NEVER took out. They have 0 proof of me taking out the loan and on top of that, they have multiple reviews from other people reporting the same thing. This site needs to be shut down. They are stealing from people and selling loans to debt collectors that people never took out. I never got any money from XXXX. I never signed any documents with them. I never took out a loan with XXXX. The company sold this loan to a debt collector named Vance & Huffman. This is affecting my credit as it showed up on my credit report in collections. I NEVER took out this loan. I don't have dates and times because I never worked with XXXX  but Vance & Huffman who bought the debt from XXXX  and should also get in trouble for not reviewing XXXX  before buying this debt ( especially with so many similar complaints out there about XXXX  ), they list XX/XX/XXXX  as when this hit collections on my credit report. The amount they say I owe is {$4100.00}. I need this removed from collections but the credit bureau is not being thorough with their dispute investigations. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I leased a XXXX XXXX in XXXX and in XXXX of XXXX it was totaled. I was told when I went to lease a XXXX XXXX, that my GAP insurance did not cover the difference between the value and balance on my XXXX XXXX lease. I was told I could " roll in this {$3000.00} difference '' to my new lease. My car payment went up SIGNIFICANTLY as a result, to XXXX XXXX. At the time I thought this was both deceptive and misleading. So, the dealership sells me GAP insurance, and my insurance company gives me a fair amount for the totaled vehicle, but now the dealership that clearly overcharged me for a vehicle ( in the height of XXXX ) says it won't cover the entire lease balance? So, you get to overcharge for a car, sell the insurance, knowing the fair amount paid out by the insurance company will not cover the lease balance, and will be owed by the consumer. Then tell them you are rolling it into a new lease. 

I am surprised this is still happening with the class action lawsuit in place... 

When I went to buy out the car at the end of lease, suddenly I owe this {$3000.00} still and need to " put it down '' to purchase the car and will STILL have a $ XXXX car payment. No one would explain why this GAP insurance did not do what they claimed it would do when I was pressured into buying it. Furthermore, no one admitted to telling me the that the {$3000.00} difference was indeed rolled into the lease. When pressed, the story changed, and they claimed XXXX " wrote it off '' but I still needed to pay this to THEM in order to receive financing to buy the car. I said I needed time to find/transfer this {$3000.00} and they repossessed the car. Now they want the over-mileage charges, plus the {$3000.00} I owe from the deceptive GAP insurance issue and they are negatively reporting me to the Credit Bureaus. My XXXX XXXX from the same dealership, will be my last XXXX I ever purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Lennar Financial Services, LLC
State: FL

Complaint narrative:
Lennar Mortgage clearly advertises on their website that customers may " float down '' their rate one time within 30 days of closing. There are no stipulations or limitations stated. Lennar refuses to honor this advertised right to consumers.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: AL

Complaint narrative:
Nelnet keeps reporting to the 3 credit bureaus that I have open accounts with them that all have balances on them. This is incorrect. All of my accounts with Nelent were transferred/consolidated/paid off by XXXX in XXXX. I disputed these accounts with the XXXX on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX All of the disputes came back with results saying that Nelnet reviewed the account and they are all correct. My debt to income ratio is suffering drastically because my credit shows 10 Nelnet loans that shouldn't be there. When I spoke with Nelnet after each dispute the representatives tell me they can not legally remove them from my credit report and it can take years for it to show that it's been closed. This is incorrect because my XXXX accounts were also transferred to XXXX and they are already showing closed with a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2023 I used the XXXX  ATM located at XXXX XXXX XXXX XXXX XXXX XXXX. This ATM is next to a XXXX XXXX  ATM. I wanted to withdraw {$300.00} using by chime debit card to then deposit that cash to my XXXX XXXX account. At XXXX XXXX  I requested {$300.00} from the XXXX  atm and it had a {$3.00} charge. The ATM cancelled my transaction, no money was dispensed and I collected the receipt. I called XXXX and they told me to dispute it with my bank. I then used my CHIME card at the XXXX  atm to withdraw the same amount of money that was not dispensed. I filed a dispute with CHIME and it was denied. 

Can the camera on the ATM be used to show that my transaction was cancelled?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
A membership purchase was attempted and credit card company denied payment, I then used another card for payment. The denied payment then was posted to my statement. I spoke to the merchant on 5 different occasions and they advised no payment has been received from the denied card. I have spoken to the denied card company several times with no resolution. I asked to know where the disputed payment went with negative results. I have asked to speak to a supervisor and was disconnected. I have credit statements from both companies for the exact same charge. All the disputed company will say is that the charge was posted and it will take XXXX for them to look into the discrepancy. 
Any assistance will be greatly appreciated.

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 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I over payed my credit card it by a significant amount. The balance to be returned is {$1200.00}. Subsequently, I closed the account due to many other concerns with Comenity Bank. Comenity claims they sent the check on XX/XX/23. I do not have the check. On discussion Comenity suggested I research my deposits which show no check for that amount. I requested a copy of the cleared check on three occasions which I have never received. I would like to see the cleared check so that I can verify reimbursement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Experian inside fraud by employees and managers the facts is were is the information to verify this fraud fake made up name to my experian credit report employee and management XXXX XXXX, XXXX XXXX This name above listed is inside fraud done by employees and management How are experian employees allowed to add inaccurate false made up names to your Credit Report to commit Fraud then press save the name to your credit report Why is Experian employees and management doing this if higher management didnt already OK make it make sense cause it dont inside fraud

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 2023-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I had requested documents from the Bureaus, I have not received anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting 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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc

Complaint narrative:
I created an account with the name I used at every of my financial institution and here is same I used at PayPal.inc, my drivers shortened my name which is the same license I used with every other bank verification and it was accepted, they asked me to change the name which I did and then they asked for each bank statement of all my cards linked to the PayPal and I made effort submitting them, my boss paid me {$1000.00} to my account for a maintenance job I was supposed to go fix on Saturday and till now I havent gone because I couldnt access my PayPal account, then they came this morning saying they cant offer me there service anymore after I went to through stress and submitting all kind of document to XXXX knows who I have been submitting it to in PayPal app, if they really cant offer me there service let them refund the {$1000.00} back to my boss and take there account back I dont need it or they release my account for me to take my money out and unlink all my cards and bank details from it, I really cant wait 180 days for all that drama they have started since Friday I have been waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 disputed these late payments XXXX different times with Equifax and XXXX. XXXX is the only one reporting it correctly. Equifax and XXXX just keep verifying the information without sending me any method of procedures. I disputed on XX/XX/23, XX/XX/23, and XX/XX/23. They havent even investigated. They just sent something back saying they werent going to investigate. I sent a XXXX XXXX report in each letter- SHOWING THE ERRORS DPEDXXXX  XXXX DPEDXXXX XXXX DPEDXXXX XXXXXXXX DPEDXXXX XXXX DPEDXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I have disputed these late payments XXXX different times with XXXX and Experian. XXXX is the only one reporting it correctly. XXXX and Experian just keep verifying the information without sending me any method of procedures. I disputed on XX/XX/23, XX/XX/23, and XX/XX/23. They havent even investigated. They just sent something back saying they werent going to investigate. I sent a XXXX bureau report in each letter- SHOWING THE ERRORS DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX XXXXXXXX DPEDXXXX XXXX DPEDXXXX 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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.

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 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
As an American Express card holder in good standing for over 25 years, I am highly disapointed in thier lack of action, follow through and resolution to a extreemely minor issue which has now evolved into a situation of significance. 

The significance now is that due to AMEX not removing a {$29.00} late fee as agreed and promissed in XXXX, has now compounded to {$140.00} as of this date. 

Due to AMEX not resolving this minior issue as agreed, my credit score has droped from XXXX +/- to around XXXX. 

I HAD XXXX accounts with Credit limits of {$31000.00} and {$250000.00} respectivly. I have closed BOTH accounts as a result of a " {$29.00} ( XXXX ) Late Fee '' which was promissed to be waived when I first contacted AMEX. 


ONLY XXXX charges had been made on the account in 2023 ( {$63.00} US Postal Service & XXXX XXXX XXXX XXXX XXXX. AMEX Account representitive on XXXX different resolution calls that I placed told me to make payments of {$63.00} and {$59.00} which I made promptly on XX/XX/2023 and XX/XX/2023. WHY would I have made these payment of these specfic amounts if i WASNT instructed to due so by the AMEX representitives on XXXX differnt occassions to XXXX out and close the account? 

I have made 6 or 7 calls to AMEX, wasted hours of my time and spoken to different representitives each time only to get passed off to another without resolution. These representitives promiss follow up calls, wont provide call back numbers or case numbers and then just hope that you go away. 

I have been more than polite and tolerant. My last communcation on XX/XX/XXXX was promissed to be resolved by XX/XX/XXXX has prompted this request of the CFPB to become involved. I did indicate to the AMEX representitive that this would be my next step on that call. I have provided several ways for AMEX to reach out to me via my office and cell phone numbers with no promissed resolution from AMEX. 

Thanks in advance for your assistence. This is a matter of principle to me to have this resolved by AMEX as they have previously agreeed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Dear Experian : After reviewing your response to my dispute letter of charge-off account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence Engelhardt vs. Gravens ( mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact therefore existsXXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
I have received additional relevant information for you to fix this inaccurate charge-off account. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the XXXX, attorney general, attorney general in your state, Consumer Financial Protection Bureau, Justice Department, Office of Comptroller of Currency, Consumer Action, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Advocates for Fair Credit Reporting. 
1. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant.

2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again.

These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged.

Im carefully tracking all correspondence with your company. 
I think 30 days should be long enough for your company to complete this investigation. 
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 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX I scheduled a payment of {$3100.00} for XX/XX/XXXX to pay my Citicard balance in full and received an automatic confirmation from Citi. On XX/XX/XXXX I received a notice from Citi that I had overpaid what I owed and that they were reducing the amount to be deducted from my checking account from {$3100.00} to {$1100.00}. On XX/XX/XXXX, my checking account showed XXXX withdrawals by Citi Bank for BOTH {$3100.00} AND {$1100.00}. I called Citi Bank and ( AFTER XXXX MINUTES WORKING MY WAY THROUGH THE CALL PROCESS ) I finally got a live representative. The representative tried to blame me for making XXXX payments. Then after reviewing the messages I got from Citi Bank, the rep finally acknowledged there was a problem on Citi Bank 's part. The representative had no explanation for what happened. Instead, processed a (? request, complaint? ) # XXXX. He said that once the complaint is processed, refund would take XXXX to XXXX business days. So I asked, " you mean XXXX or XXXX weeks or more? '' And he said yes. Citi Bank grabs {$1100.00} from my account that they are not entitled to, and which I did not authorize, and is going to wait weeks to refund my money. THIS WAS NOT MY FAULT AND CITI IS STILL HANGING ON TO MONEY THEY ARE NOT ENTITLED TO. THIS IS THEFT. Plain old theft. I WANT THE {$1100.00} REFUNDED IMMEDIATELY. I should not have to wait while they drag their feet figuring out what they did wrong.

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