vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-11 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: GA

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2022-02-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I leased a new vehicle at the dealership XXXX XXXX XXXX XXXX XXXX. When I went into the finance office, the finance manageXXXX, XXXX XXXX, gave me a signature pad and told me I will be signing all my documents electronically, but he never gave me a screen or XXXX to see the actual documents. He told me that his computer system can not generate a contract until after I sign everything. He said he would summarize what I was signing, but I was unable to see anything I signed. We got to the part of the transaction where he asked if I wanted any service plan, I said no because it is a new vehicle being leased for 36 months and it will be fully under warranty for the whole lease. He said he had a great deal for me on this service plan, its only going to be {$3.00} per month. I asked him to clarify my base payment and what it would be with the service plan. He said my base payment will be {$530.00} and that with the service plan it will be {$540.00}. I asked him what the cash value of this service plan is because I know they are usually in the thousands. He said it was {$1500.00}. I told him that it didnt make sense that I would pay {$3.00} per month for 36 months and in return I get a service plan with a {$1600.00} value. I asked him how this was possible. He said XXXX is giving you an incentive for this service plan because they want to certify your vehicle when you return it at the lend of your lease. I replied Sir, you mean to tell me for {$3.00} per month, I can walk out of here and the next day I can cancel this plan and I get {$1600.00}? Thats like free money. He agreed with me and said Yes, I dont know why more people dont do it! I asked him if he was absolutely sure and I asked if he was messing with my rate at all to make the payments look this way, he said no, that would be unethical. I asked him one final time if he was sure, he said yes. So I agreed to it. The next day I was still uneasy about it so I called my local XXXX dealership to help me find out how much this service plan is actually costing me per month. They said that, according to my contract, the monthly price of that service plan is about {$49.00}, not {$3.00}. I asked them about incentives from XXXX about service plans, and they said that wasnt true either. I called Toyota financial services to be absolutely sure that I was lied to. They confirmed that what he told me was not at all truthful : There is no incentive from XXXX to buy that service plan, its not even an official XXXX product, and that XXXX certification process has nothing to do with service plans. I have the finance manager RECORDED saying all this to me as evidence of his fraud. After trying to resolve it with the dealership, they seem to think they did nothing wrong. Ive been researching this matter ever since. I believe the finance manager engaged in fraud, payment packing, and coercive tied selling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have exceptional payment history on all my accounts. During covid 19 various creditors closed my accounts with out my knowledge and issued charge backs on accounts with 0 balances and all accounts have exceptional payment history. This has caused my credit that I have worked so hard for to drop substantially. I have paid off every card infull and on time. XXXX XXXX has issued charge backs after I paid in full. Other creditors closed my account with notifying me and continually and fraudulently issued false late payments. This all happened during the pandemic and i am beyond frustrated because I have paid them all in full. Please help I will take this to the highest court I needed because this is un-American and more so very fraudulent practices. To prey on families that have paid and fulfilled with exceptional credit only to be penalized by false claims. Please advise. I will not allow my hard work and dedication to go down the tube for fraudulent businesses. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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 — Problem with personal statement of dispute
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I have exceptional payment history on all my accounts. During covid 19 various creditors closed my accounts with out my knowledge and issued charge backs on accounts with XXXX balances and all accounts have exceptional payment history. This has caused my credit that I have worked so hard for to drop substantially. I have paid off every card infull and on time. XXXX XXXX has issued charge backs after I paid in full. Other creditors closed my account with notifying me and continually and fraudulently issued false late payments. This all happened during the pandemic and i am beyond frustrated because I have paid them all in full. Please help I will take this to the highest court I needed because this is un-American and more so very fraudulent practices. To prey on families that have paid and fulfilled with exceptional credit only to be penalized by false claims. Please advise. I will not allow my hard work and dedication to go down the tube for fraudulent businesses. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
In the middle of XX/XX/2022 I paid down over 50 % of my principal balance of my mortgage. On the XXXX of XXXX, Bank of America still charged the same amount ( combination of interest and principal ) as in the previous month. I asked my banker why my payment was not reduced considering the pay down. The banker took a week to respond confirming that they received the pay down, but I would still have to pay the same monthly amount for the next 9 months. In essence the bank is still charging me interest and amortization on the full balance.

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 2022-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There is a account reporting as XXXX XXXX XXXX XXXX on my credit report. I am NOT responsible for this account. I have reached out to transunion on multiple occasionally asking them to investigate and send me the finding of the investigation. They have failed to do so. There is already a fraud alert on 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 non-monetary relief
Consumer complaint received 2022-02-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was taking advantage while several laws were being broken under the FCRA by your company. This has cause my financial injury, Defamation of character, i couldnt get a job, apply for credit. You have hurt my ability to obtain credit. Below are the list of inquiries i request to be removed. 

XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX Bank ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Financial )

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 2022-02-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: WI

Complaint narrative:
XXXX XXXX Account XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Doing business as XXXX XXXX, refuses to provide any explanation as to why it has not disbursed the money for the claims that I submitted on XX/XX/2022. I called on XX/XX/2022 to inquire why the money had not been disbursed. I was told it would take up to 5 business days. I called again on XX/XX/2022 and they would not disclose why the funds had not been disbursed or even give me any timeframe for the resolution. I have not been allowed access to the funds that the plan with this company establishes for 2022. 

I submitted a reimbursement request for {$30.00} and another one for {$150.00} on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/2021 I purchased 5 handbags from a website that claimed that all items are XXXX XXXX Authentic bags and I paid {$990.00} for the bags. 

When I received the bags it turned out to be that all the bags are fake. I tried to communicate with the company but the website disappeared and they are not responding to my emails I tried to call the number listed with no answer till finally I got a text message stating that this number I am calling is not a business I called capital one and informed of what happened hoping that I can get my money back for its fraud and the items I received were counterfeit items and after months of investigation by the bank I received an email from the bank that unless I prove that the items are fake my claim will be denied I tried to find companies that verify authenticity of XXXX XXXX bags but it was going to cost me over {$500.00} to verify and I already lost a {$1000.00} so I could not get the requested document and my claim was denied I want to ask a few questions and would like the bank to answer 1. if bags were authentic they would be worth at least $ XXXX do u think anyone is stupid enough to ask for his money back if he/ she has 5 authentic XXXX XXXX bags worth 6 to 8 times his money? 

2. How did they investigate if the sellers website was shot down?

3. How did the bank contact the seller if the number was a private number not a business number and the seller cant be reached?

4. Since when do u ask the victim of fraud and counterfeit items to prove that items received are fake after all the above details 5. What happened to card protection?

I will not accept the banks unfair, unethical and unprofessional decision to deny my claim and the banks response to the reason of denial

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There is a account under XXXX XXXX reporting to my credit profile. I am not responsible for this account. Please investigate the info reporting. If youre unable to verify, please remove immediately. I have disputed previously.

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 2022-02-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: Paramount Capital Group, Inc.
State: CA

Complaint narrative:
On XX/XX/2020, I disputed the accuracy of two late payments on this account. The payments were not processed due to a change in their automatic payment system. I have called multiple times as well as disputed these inaccuracies. I have not been able to get this issue resolved with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2022-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2022-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: AL

Complaint narrative:
I applied the XXXX credit card with USBank with the XXXX miles promotion offer. The USBank not give me the promotion mileage after I spend up to the limit of required. I called the USBank customer service several time and any time they tell me different story to avoid the promotion mileage. I didnt agree with the service and cancel my credit card. Since I only used this card less then 3 months and requested the USBank to reimburse the annual fee of {$95.00}. The USBank refused my request and not reimburse the {$95.00} of the annual fee.

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 2022-02-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
There is a account under XXXX XXXX reporting to my credit profile. I am not responsible for this account. Please investigate the info reporting. If youre unable to verify, please remove immediately. I have disputed previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
Hello, I have repeatedly tried contacting XXXX XXXX XXXX since XX/XX/2021 about a derogatory account that appeared on my credit report for {$90.00}, part of an alleged {$150.00} owed that I was not given information about. They apparently sent it to a collections service, State Collection Service, with whom I contacted. I disputed this due to the fact I had not received notice of this. They too found that they had received incorrect contact information from XXXX XXXX XXXX ( on behalf of Illinois XXXX XXXX XXXX in XXXX ). 

They closed the account and sent it back to XXXX XXXX XXXX. I received a written notice of this and two phone calls confirmed. I have repeatedly contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX to check if this debt is legitimate and to verify it and have received various replies. The contact was in the form of several certified mail letters ( with receipts showing they were delivered to the correct address ) and about 8 phone calls or so. They admit they are upgrading to a new computer system and had my old address on file ( which doesn't make sense since I've used 3 other XXXX offices from the same XXXX and they have the correct contact information ). 

Each call I was told they are not showing anything, then a rapid call back, I was told that they do have a record of it but they haven't verified it with the Collections Company ( State Collection Service ). I now contact the collections company again and the representative as well as automated system has no record of any accounts for me. I call XXXX XXXX XXXX again and they say they received notice of this, but the system hasn't updated. I provided them with my correct information and each subsequent call I am getting a somewhat different story or finding out they still have the wrong contact information. 

I have repeatedly and in good faith tried to contact XXXX XXXX XXXX and its associated XXXX and they will not provide me with an answer except " call back in 10 days '' which I had been told 4 times. Each time I call, they have issues looking up the account, which actually exists, and then I am told that the account isn't " updated ''. This is ridiculous as if I owe a debt, I will gladly pay it, given I am informed of it. I have a perfect record of doing so, and when I am trying in earnest for almost 6 months to verify if it existed at all, they provide ambiguous 'answers '.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: NC

Complaint narrative:
I had a psycho roommate who stole a bunch of my stuff and didnt pay her cleaning fees but I paid my part. I have been telling them since may to stop contacting me as I dont owe them a dime. I constantly am getting calls and emails. On Friday XX/XX/2022 I received an email from them at XXXX est I tried to unsubscribe but link is unable to do so as well. Also I never gave them permission to email. My phone number is on the do not call list as well. Its been almost a year and Im fed up.

Company response to consumer: Closed with explanation