vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-11 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
My name is XXXX XXXX, and I share an Amex credit card with my wife XXXX XXXX. On her XXXX credit report, it shows there is a remaining not paid balance of {$250.00} with Amex. But on my XXXX credit report, it shows the Amex balance is paid off with a XXXX balance. My wife 's credit score is much lower because of this discrepancy and we were denied on a home loan because of it. When I called XXXX, they said they had no idea why Amex had not reported on my wife 's report in one month, and they suggested I call Amex for assistance. When I called Amex, they too had no idea and suggested I call XXXX for assistance. I honestly feel like my wife is being targeted due to her XXXX 

Last update of her XXXX credit card balance was exactly one month ago. Not only that, every time we use our Amex card, within the hour we pay off the entire balance. It's not fair that Amex reports the balance immediately to the credit agencies, but Amex doesn't report the IMMEDIATE same day payments. 

I need an answer why my report is different from my wife 's report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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:
An unauthorized withdrawal at a Citi bank teller ( in the amount of {$25000.00} ) took place on XX/XX/22. This was a fraudulent withdrawal and overdrew the account. I first noticed this activity on the evening of XX/XX/22 when i went to withdraw money from my account. I notified Citi as soon as i noticed the fraudulent withdrawal. I was provided with a case # and was told i would be contacted within 24-48 hours. No one contacted me regarding the incident by Wednesday XX/XX/22, so i called back to inquire about the status of the withdrawal and was told that the case was still being investigated and there was nothing further to share. I then called back on Friday XX/XX/22 and after escalating to a manager twice, i was given a new case # as the representative said the original case did not adequately flag the transaction as fraudulent. I was not given any further details regarding the withdrawal and I was informed that it could take 30-90 days to resolve my case. Citi then sent me an indemnification request to indemnify them of any further fraudulent activity on the account, which i did not sign. I called Citi again on Sunday XX/XX/22 to inquire on the status of my case and was told i would receive a call back ( which never happened ). I called back on Monday XX/XX/22 and it took over 1 hour to speak with someone regarding my case. After speaking with them, they created yet another case number and i was told again that it would take 30-90 days to resolve this. At no point has Citi ever provided me details of where the withdrawal took place or any other details so i could inform local authorities of the fraudulent transaction. Citi has never called me back regarding this dispute.

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 2022-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I've only been a customer for citibank for relatively less than a month. They closed my checking account due to alleged fraud '' although there hasnt been any fraud since the account has barely been used. Citibank won't let me know the reasoning behind the closure as well as if I can withdraw my funds and have access to my account. Everytime i call the customer service number im read a pre automated message from a customer service representative and then told that there isn't anything further they can discuss and will disconnect the call. The unprofessionalism and unknowledgement with this company is atrocious. I as a customer should know the reasoning behind my funds being on hold and me not having access to them as well as to why my account is pending closure and the fact that it will take 30-60 days to gain access to those funds again. I have bills to pay I want my money BEFORE 30-60 days!!

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 2022-08-11 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: EQUIFAX, INC.
State: MA

Complaint narrative:
ACCOUNT # : XXXX # XXXX i am a federally protected consumer, and I am making this complaint against Equifax in light of recent investigations brought upon them. i find that my consumer file is being irresponsibly tampered with. Over the past year and a half, i have made several attempts to remind you of your duty pursuant to 15 USC 1681. It appears that you're being intentionally and willfully neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that i am due, promised accuracy on my report based on federal law. I am writing this letter as another attempt to have these errors corrected on my consumer report. 15 usc 1681i ( A.5 ) says that after reinvestigation, all of the unverified information must promptly be removed or modified. You can see in your system that these items were previously disputed without being thoroughly investigated and thus I know it can not be verified or validated. I want the personal information updated ( see attachment ), charge offs and late payments removed, and these accounts updated as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
We were in the Covid-19 Forbearance program. In XXXX XXXX we did an application to modify and start repaying. We called and emailed for months. No responses, no call backs, in the meantime we kept getting bills reflecting an increasing un paid balance. It took until about XX/XX/2022 to get modification paperwork. We signed it and immediately returned it. Expecting our account to be refreshed at a XXXX balance and non-default status. We have now been assigned 3-4 different points of contact, NONE call us back or answer our questions. We never received formal notice that we can start repaying and the account has been brought current ( which it has not ). It is XX/XX/2022. None of our calls are returned or emails. We tried making two payments over the phone amounting to {$3300.00} in mid XXXX These payments were NOT properly reflected on our account and we were getting weekly calls about paying by auto callers- they have no record of our payment AND they can never answer questions. They say they will tell XXXX XXXX XXXX and he will call us in 48 hours ... .he has not EVER returned a call and our current point of contact XXXX XXXX has also ignored all emails and calls. 

My account was also reflecting as over 60 days late on my credit while STILL in forbearance dropping my score tremendously and causing my bank to close my credit cards. 

WE NEED HELP AND WE NEED OUT FROM UNDER THIS SERVICER

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: BTH Management
State: IL

Complaint narrative:
On XX/XX/2022 I sent a cease and desist to the CCO of Plaza Services , LLC requesting all documentation the company has on the alleged debt obligation it has listed on my consumer report. XXXX XXXX, or a representative, failed to respond to my request. This company continues to harm my financial reputation without providing any documentation to support their claim. I never gave this company permission to be on my consumer report. Further, the company has no legal standing to harass me in this regard. Their violative business practices are defaming my character. Lastly, the company failed to update the account in question on my consumer report after I notified the company of the dispute. This is also a federal violation. All of these statements above are facts which will be proven in a court of law should the company continue to harass and defame my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: OR

Complaint narrative:
In XX/XX/XXXX, I was prescribed a XXXX XXXX through the company XXXX, XXXX XXXX I was told by my doctor at XXXX XXXX XXXX and the XXXX representative, that my health insurance, which is XXXX XXXX XXXX, had pre-approved coverage of the unit and would cover the charges ( approx {$720.00} ) for the equipment and that my only out of pocket costs would be {$25.00}, which I paid. In XXXX, I began getting phone calls from XXXX XXXX XXXX XXXX regarding billings of over {$2100.00}. I advised the caller that I have never received nor agreed to receive any services from XXXX XXXX XXXX XXXX and that my only relationship with " XXXX '' is that they are my health insurance provider, paid for by my employer. I called XXXX, to check to see if I had a balance, and was told that my insurance had covered the charges and I have a {$0.00} balance. I requested an itemized ledger showing insurance payments and a {$0.00} balance. I have since gotten multiple collection notices from Harris & Harris , Ltd for {$2100.00} under reference number XXXX. I disputed the debt via first class and certified mail to Harris & Harris in XX/XX/XXXX and also reported the fraudulent charges/collection attempts to the Oregon Insurance Commission in XX/XX/XXXX, but it hasn't yet been resolved but I received a refund check for {$25.00} from XXXX as `` collection in error '' ( I did not cash that check ). Around XX/XX/XXXX, I received multiple notices again from Harris & Harris of each individual account being split up and using separate " reference numbers '' ( XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ), all totaling {$2100.00}. I again, have written to Harris & Harris , Ltd, disputing this debt and addressing the sneaky attempts at continuous collection tactics. Either XXXX XXXX XXXX, XXXX XXXX XXXX  or XXXX XXXX XXXX XXXX have committed contract and medical fraud, surprise billings, account/personal information exchanges which is also a direct violation of my HIPAA rights XXXX and Harris & Harris is aiding by using sneaky repeated collection attempts after being notified of the disputed debt, which is illegal debt practices and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
I lost information and someone is using it to apply for new auto loans and credit loans

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: EQUIFAX, INC.
State: NV

Complaint narrative:
My name is XXXX XXXX, and I share an XXXX credit card with my wife XXXX XXXX. On her Equifax credit report, it shows there is a remaining not paid balance of {$250.00} with XXXX. But on my Equifax credit report, it shows the XXXX balance is paid off with a XXXX balance. My wife 's credit score is much lower because of this discrepancy and we were denied on a home loan because of it. When I called Equifax, they said they had no idea why XXXX had not reported on my wife 's report in one month, and they suggested I call XXXX for assistance. When I called XXXX, they too had no idea and suggested I call Equifax for assistance. I honestly feel like my wife is being targeted due to her XXXX. 

Last update of her Equifax credit card balance was exactly one month ago. Not only that, every time we use our XXXX card, within the hour we pay off the entire balance. It's not fair that XXXX reports the balance immediately to the credit agencies, but XXXX doesn't report the IMMEDIATE same day payments. 

I need an answer why my report is different from my wife 's report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have received a copy of my credit report and noticed that there is information reporting to my credit that does not belong to me. I have contacted each creditor which they failed to provide me with any original signed documentation, by me, stating that I entered into a contract or owe any debt to these creditors. The credit bureaus are violation the FCRA LAW CODE 609A AND WELL AS SECTION 605B. Information that does not belong to a consumer, must be removed within 4 business days of receipt of this information. I have contacted my attorney, who will be in contact with you in case there is not a timely manner and this matter is handled correctly. The following information does not belong to me, and i am requesting under federal law and well as the Uniform Commercial Code, that this information is PERMANENTLY DELTED. 

XXXX XXXX XXXXXXXX {$330.00}, XXXX # XXXX {$560.00}, XXXX # XXXX $ {$740.00}, XXXX XXXX  XXXX XXXX {$670.00}, XXXX XXXX XXXX XXXX {$620.00}, XXXX XXXX XXXX XXXX {$610.00}, XXXX XXXX  XXXX XXXX {$560.00}, XXXX XXXX # XXXX {$500.00}, XXXX  # XXXX {$2200.00}, XXXX  # XXXX $ {$0.00} XXXX XXXX XXXX  # XXXX {$0.00}, XXXX XXXX # XXXX {$0.00}, XXXX  # XXXX {$610.00}, XXXX XXXX XXXX # XXXX {$370.00} XXXX XXXX XXXX  # XXXX {$0.00} XXXX XXXX XXXX  # XXXX {$0.00} XXXX XXXXXXXX XXXX # XXXX {$0.00}. 
FAILURE TO COMPLY WITH REQUEST WILL RESULT IN A LAW SUITE THAT WILL INCLUDE ANY AGENCY REPORTING NEGATIVE INFORMATION TO 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 2022-08-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
We had a XXXX XXXXXXXX XXXX leased and it was wrecked and was a total loss on XX/XX/2022. 

Our insurance company paid off the lease XX/XX/XXXX, this year. Due to our large down payment and the value of the car we had approximately {$7000.00} of equity in the car. Payment made was {$35000.00} and the payoff was approximately {$29000.00}. The difference is due to myself and my wife. 

Toyota Financial Services won't even confirm payment has been made, have not " processed '' the check, and have lied to me as I get a different story every time I call them. At this time they refuse to give us our refund due, or even a date when we can expect it. Their response is they are " very sorry for the inconvenience '' and they won't even transfer me to a supervisor. 

I am currently XXXX due to a XXXX XXXX and those funds would really help us. We had to payout {$4200.00} to lease another vehicle with them and we really counted on the equity. PLEASE HELP US! 

XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I Went to court on this collection account with Lvnv funding in XXXX in XXXX XXXX XXXX. The plaintiff did not show up so the judge dismissed it. I thought that they would update or remove the collection as per the judges statement but this never occurred. I did not receive anything from the court after the judgement, I am asking for both of the collection acts with LVNV to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, from the U.S Department of education, 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 2022-08-11 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, from the U.S Department of education, 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 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 2022-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I've been contacted falsely for the last 2 weeks and had my card deactivated because Citibank thinks the transactions are fraud. I've repeatedly told them they are not but they can't fix the issue. Please get me in touch with someone at the bank that can fix their awful fraud system.

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 2022-08-11 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief
Consumer complaint received 2022-08-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
Hello I have a debt from XXXX XXXX  from previous landlord. I have contacted them several times and disputed the debt with XXXX XXXX and XXXX XXXX. They are reporting that XXXX is owed and the judgement is XXXX. When I reached out to XXXX XXXX regarding this and mentioned it to the compliance department at XXXX they confirmed they never had the judgement but instead an inflated bill from the landlord. My husband and I tried for the last three years to get this removed and we are getting no help. XXXX XXXX  has been sued and should be put of business. Please stop them from preying on people. I can not get a mortgage because of this huge debt.

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 2022-08-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/2022 I initiated an {$71000.00} online transfer from my Marcus Bank by Goldman Sachs online savings account to my XXXX XXXX  checking account. 
Marcus Bank Acct : XXXX. Social Security # : XXXX. 
I have called three times over the past week and the bank refuses to unlock my account and send me my money. The bank has refused to provide me with any explanation for refusal to send money. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cardinal Accounts, Inc.
State: IN

Complaint narrative:
Ob XX/XX/2022 I called Cardinal Accounts INC about a collection account that had just recently reported to my credit report. When I called, a lady answered and asked me my first and last name. I told her and she directed me to an older sounding lady. That lady advised me she could not find my file and she would need to give me a call back to discuss the account. She said that the call would be from a no caller ID. I received a call about 5 minutes later from the same lady. She did not verify my name, date of birth, last four of social, or anything of those sorts. I asked her why she didnt do any of that being a debt collection agency before discussing any information with me. She said she didn't have to. I then asked if the phone call was recorded for both of our sake and she said it wasn't and they don't record phone calls there. The information they are reporting to the credit bureaus is incorrect and they never even attempted to reach out to me regarding the debt. They didnt even have the correct address for myself. I feel like this " debt collection agency '' is practicing fraud and should definitely be looked into.

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 2022-08-11 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My credit card at Wells Fargo was used for fraud in that a series of on-line transfer were made to the credit card which I did not authorize. My credit limit was {$15000.00} and the on-line transfers were for more than {$41000.00}. Wells Fargo now claims that my credit card balance is over {$41000.00} and is demanding payment.

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