vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
On XX/XX/2021, I received a congratulations email upon submission consumer credit application for a consumer loan. The letter specified as a result of obtaining consumer report that " your loan offer is approved '' upon meeting conditions of verification of identity and address and monthly income and expenses to determine if loan payment fits your budget according to color of custom lending guidelines in conflict with fair lending laws. 
I was told by representative XXXX that I would not be approved for requested {$20000.00} but the most I would qualify for is {$8800.00}. XXXX asked would I accept that amount, I agreed. XXXX invited me to come to location to provide identity documents and sign loan documents. Provided passport card, affidavit of identity and nationality card and 2 bank statements. Informed XXXX I was not in possession of social security Administration credit card due to confidentiality and privacy agreement in accordance to 31 CFR 1.32 and provided W2 instead. Arrived at location and was told that due to dual national status of banking relationship accounts and savings account they would have to verify whether deposit to account could be made and they would escalate it to superiors, despite my decline to direct deposit in preference to check. Company later denied consumer loan via e-mail despite advising that notice would be mailed. Received initial e-mail without reason alleging " percentage of revolving credit in use '' despite advertising use of loan to consolidate debt and preapproved notice upon receipt of consumer report. The adverse action in violation of 15 USC 1681m was provided without disclosing credit score, nor was adequate disclosure of required percent of credit use vs obtained from XXXX report. The acts of ONEMAIN were abusive in acts that are deceptive and misleading to discrimination my 12 CFR 226.2 ( 14 ) right to incur debt and defer payment of debt. the lender ONEMAIN has criminally deprived my right to credit under color of custom per 18 USC 242 as creditor in disregard of consumer protection laws 12 USC 5481.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/2021 TRANSUNION received written instructions from me pursuant to 15 USC 1681b ( a ) ( 2 ) permissible purposes of consumer reports ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I gave TRANSUNION 30 days to remove every account, all inquiries, and to send me an updated copy once completed. TRANSUNION did not do follow my instructions. Thats a violation. Nothing changed and I hadnt received anything yet. XX/XX/2021 I sent TRANSUNION another letter pursuant to 15 USC 1681b ( a ) ( 2 ) giving the exact same written instructions like Ive stated in the first letter. A letter dated, XX/XX/2021 from TRANSUNION stated, We understand that recently something on your credit report did not seem right to you. We take this matter seriously, and we want to make sure your Transunion credit report is accurate. Its our commitment to you. In the pages that follow you will see a full copy of your credit report. So, I went through my consumer report, again. XX/XX/2021 I sent TRANSUNION a third letter stating the same written instructions as well as IDENTITY THEFT REPORTS! XX/XX/2021 TRANSUNION sent me a letter claiming they could not process my requests. Now, I would like to know at what point did I give consent for TRANSUNION to furnish anything let along the audacity to disregard THREE written instruction letters? Thats a violation pursuant to 15 USC 1681o civil liability for negligent noncompliance. Not to mention, the use of obscene and profane language claiming I owe any alleged debts, when in fact, I used my credit card pursuant to 15 USC 1602 ( l ). Pursuant to 15 USC 1681a ( d ) Consumer Report. ( 2 ) Exclusions. -Except as provided in paragraph ( 3 ), the term consumer report does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. My credit card was used to initiate a credit transaction. Everything that aroused from my credit card, should NOT be on my consumer report. I want the following credit transactions removed as soon as possible. Also, deletion is admission. I am seeking monetary relief as well for the damages caused by TRANSUNION.

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 2021-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax displays false information regarding my name, address and employer. I have contacted them multiple times, disputed the information multiple times and they refuse to update them. My credit Card company has even tried contacting them and they refuse to update. 
I have sent them W2 's Paystubs all proven my legal name address and other information and they claim its false. THey're in direct violation of the fair credit reporting act and they dont care. 

They claim my W2- is not accurate... So The IRS my job SSm XXXX, XXXX XXXX XXXX XXXX, XXXX are all wrong but they ; re correct. 

THey're screwing with my life... with an inaccurate report, I cant get a first-time home owners loan. 

The only information they will use to update is based on creditors...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. Bank of America will be civilly liable under Title 15 U.S. Code 1692k if Bank of America failed to abide by my cease & desist order. Me XXXX XXXX. 

My Demands : Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies Audit trail credit application Respectfully XXXX XXXX, XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: NJ

Complaint narrative:
On XX/XX/2021 PLAZA SERVICES/ XXXX  XXXX  XXXX  Has reported I owe {$5100.00} which is not true Ive tried to reach out to this financial company about this matter many times over the years because of the fraudulent of this dealership they let any person buy a car in anybodys name the owner threatened me and told me he did not care who maybe bought this car, and that he was an Attorney and would see me in court he said all he wanted was his owed money now this has resulted in collections because the owner was rude to me and would not listen he never sold me this car and didnt want to hear about the misunderstanding So I would like to make a complaint against this company about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: MARINER FINANCE, LLC
State: IL

Complaint narrative:
I have attempted to contact mariner finance several times since XX/XX/2021 but have never revived call back or response back from after sending multiple letter. I attempted to contact XXXX & XXXX several times since XXXX via phone & via letter but no response as well. XXXX was not able to verify account and deleted charge off from my credit file. Since they deleted this account should b deleted from XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgence Legal Group, PC
State: CA

Complaint narrative:
I received a summons suing me in XXXX California by a debt purchaser XXXX XXXX XXXX for a claimed debt to XXXX Mastercard/XXXX  XXXX  XXXX  XXXX XXXX for {$3900.00}. I never had an account with XXXX Mastercard. I have had no credit cards since my bankruptcy filing in 2012. I only have a debit card. I live in XXXX California, very far from XXXX. 

My identity was stolen in the XXXX hacking incident a couple of years ago and I believe this may be a fraudulent account opened with my stolen information. The summons had no documentation showing I had opened the claimed account the debt purchaser is suing me for. I have not tried to contact the company because I have no information on the company, its address, or the account number I supposedly opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am XXXX XXXX I am not a third party. I sent the Credit Buearu 's a dispute letter regarding my personal information being exposed and someone attempting to use my credit. I see inquires that I did not authorized on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with XXXX XXXX. They dont respond to my disputes and keep verifying this fraud to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I joined the website XXXX for travel related purchases ( air travel, hotels ) and at their suggestion got a XXXX Visa Rewards credit card from Barclay 's doing business as XXXX on XX/XX/XXXX - in order to get VIP Gold status at XXXX which offers special discounts, promotional pricing and other benefits when making purchases through XXXX. I verified with XXXX support first that I was applying to the right company and website. 
I did not get the promised VIP gold status on XXXX and after many hours of messages and phone calls they concluded that the card from Barclay 's was not a XXXX XXXX  Visa ( despite saying so on the card and documents that Barclay 's sent me ) and this would have to be fixed by Barclay 's. 
So I contacted Barclay 's support, by text phone and at their direction, through their website 's Message Center, and have tried for some time to get resolution from them, but keep getting delayed. The whole process started in XXXX, and my original goal was to purchase tickets and book lodging for a trip in XXXX as I have told everyone, so at this point I need assistance from you in getting the benefits I am entitled to, which were my only incentive for doing business with Barclay 's in the first place. 
Here 's the time-line : XX/XX/XXXX - Texted XXXX supplied to confirm that the XXXX Rewards Visa was legitimately connected to XXXX and Barclays XX/XX/XXXX Texted Support because VIP status wasn't gold. Told to wait 24-48 hours. 

XX/XX/XXXX Texted Support again. Told to wait 24-48 hours. Objected and was given Customer Support phone number. 

XX/XX/XXXX phone call XX/XX/XXXX third text told to contact barclays XXXX Message to Barclays explaining situation. Given phone number and told to call. 

XXXX Phone call to Barclays. Case was opened. Told to use online secure message center with case number. I did so. 
XX/XX/XXXX still no response so I messaged them to follow up. 
XX/XX/XXXX response from Barclay 's saying XXXX days until next response I also can supply screen shots for the original offer of VIP Gold status and for several stages of these communications.

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 2021-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
My wife and I purchased a vehicle XXXX of XXXX. We made our first payment in time in XXXX, and then called Citizens Bank ( the loan holder ) to change the due date of our payment from the XXXX of each month to the XXXX of each month. I was assured the change was made, and my next payment wouldnt be due until XX/XX/XXXX. I just made my payment online, and I am still showing a due date of the XXXX and that I have missed a payment. Nobody at Citizens bank will even answer my phone calls. It is a complete scam of a company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I tried logging into my account was unable then i called they said my account was permanently suspended and disconnected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-18 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:
On XX/XX/2021 I mailed Trans Union a letter informing them that they were reporting collection debt of {$830.00} to XXXX XXXX, that was not my debt. I requested validation of the debt from TransUnion as XXXX XXXX. As of date XX/XX/2021 neither parties have responded.

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 2021-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Barclay 's seems desperate to charge me improper fees. 

Since I had problems getting Barclays to timely post mailed payments, I started paying online. On the due date, I log in, select due date as payment date, and pay. But then they post the payment some other day. 

Why do they allow customer to select payment date if they're not going to XXXX honor it? When I select a particular payment date, I rely on their implicit assurance that they'll actually process my payment on that date. There is no disclaimer that says, oh, we may choose to process your payment on some other day and your selection is essentially meaningless. 

Anyhow, I logged in on XX/XX/XXXX -- the payment due date, I selected XX/XX/XXXX as my payment date, and I made a payment. They even sent me a confirmation email stating that I had made payment on XX/XX/XXXX. 

I noticed something funny when I logged in. Although it was still the due date, they had already charged me a {$39.00} late fee. What the XXXX  is that? The day wasn't even over and they'd already charged me a fee that I did not yet owe. 

Today ( XX/XX/XXXX ), I received an email from them stating that my payment had been made XX/XX/XXXX. WHAT? That is false, I made the payment on XX/XX/XXXX. 

Please cause Barclays to : 1 ) Reverse the erroneous late fee. 
2 ) Go back and post my payment on the correct date, the day it was made, XX/XX/XXXX. 
3 ) Correct their aging so that NO LATE PAYMENTS are reflected in my account history. 
4 ) Cease and desist their fraudulent practice of posting payments day ( s ) after customer makes online 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 explanation
Consumer complaint received 2021-09-18 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
Still waiting on my title from Hyundai. I've faxed and mailed the IL 556 form several times and haven't received anymore info in regards to sending me my title. I've done everything that I'm supposed to do and still have nothing.

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 2021-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NJ

Complaint narrative:
I would like to sign a complaint against XXXX  phone company. XXXX has reported on XX/XX/2020 that I owe the company {$1900.00} and that is not true I do not know who ordered this phone I have reached out to XXXX XXXX  & ERA Collection agency and they have made it clear that this problem is in collections now and need to be paid in full I have tried to explain that I have never Used this service before and I would like a full investigation if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: CA

Complaint narrative:
I demand they remove these inquiries of my credit report. I did not authorise these on my credit. Equifax and XXXX refuse to remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
These accounts, I feel, are having a negative impact on my credit score and costing me XXXX  of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am XXXX XXXX I am not a third party. I sent the Credit Buearu 's a dispute letter regarding my personal information being exposed and someone attempting to use my credit. I see inquires that I did not authorized on my 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 2021-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am XXXX XXXX I am not a third party. I sent the Credit Buearu 's a dispute letter regarding my personal information being exposed and someone attempting to use my credit. I see inquires that I did not authorized on my 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