vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

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 2023-06-26 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: TX

Complaint narrative:
I have no association with the mentioned creditors, and I did not initiate the inquiry in question. I kindly request that you promptly remove this inquiry from my credit report as it is inaccurate and does not reflect my credit history.

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 2023-06-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
RE : GM Financial report to credit bureau To whom it may concern, Our lease was ending in XXXX of XXXX. During this time, we were all sheltering in place due to COVID-19. Since the car was not being used, we turned the car back to the dealer approximately 1 month prior to the end of the lease. We did however paid off the lease to avoid any credit issue. We asked the dealer while dropping off the car if there was any other fees we needed to pay and we were told no, that everything was ok. The car was in perfect condition and the mileage was under our contracted limit. 

During this time, my spouses salary was decreased to 80 % of her regular salary and my contract work was put on hold indefinitely. Needless to say, we were experiencing financial hardship. 

About 1 or 2 months later, we received an invoice from GM Financial for approximately {$500.00} for lease end. We were experiencing financial hardship so I tried to negotiate the bill by explaining that if we were not experiencing the pandemic and the ramifications that came along with it we would have traded the car in for another BOLT ( EV ) and therefore would not be billed for returning the vehicle. 

I paid half of the bill ( {$250.00} ) and continued to try and negotiate the other half. GM Financial wouldnt hear our plea therefore we eventually paid the balance after a 90 or 120 day delinquency despite the fact that we were experiencing financially instability. 

Fast forward to XXXX, the economy is trying to get back to normal and employees are being asked to come back to the office physically, we needed to again have an additional vehicle. To our surprise, we have a negative on our auto credit report through XXXX bringing our score down to XXXX. This negative report and a low XXXX XXXX score is costing us thousands of dollars more throughout the life of the new lease. 

We have NEVER been late throughout the length of our loans ( GM FINANCIAL, XXXX XXXX and XXXX XXXX ). 

Can anything be done to take off/strike GM Financials negative report? We are responsible and conscientious people. We do not deserve this treatment and punishment. 

Another question is, we have always paid ALL our bills on time including the 2 auto loans ( XXXX and XXXX with XXXX XXXX  ) that remains in our possession to date, why is it that our XXXX XXXX  scores remains in the XXXX? 

Your attention and reply to this message would be greatly appreciate. 

Thank you, XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
XX/XX/24 I was contacted by a buyer when selling my daughter 's prom dress through XXXX XXXX. The buyer sent payment through Zelle. I then received an email asking to upgrade my account by adding additional money or I would not received the money for the dress. I offered to refund the money to the buyer as I did not want to send additional money. When I sent the money through Zelle, I then realized I'd never received anything and the emails were scammed. I contacted Zelle who hung up on me after saying I had to contact XXXX XXXX. I also requested money via Zelle to the buyer which was declined. XXXX XXXX can not stop the transaction until it is posted and not pending. I once again contacted Zelle and was cut off and hung up on even after saying I wanted to report XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I got a call several months ago from Credit Collection Services about an account with XXXX. I had received no written communication from them and requested written verification of the debt, mailed to their address on file. It never came, so I disputed the item on my credit report. It came back valid, because they claimed to the credit bureau that they had mailed it, so I figured I would pay it. So today I called them back and asked for a pay to delete. If they had simply declined, that would have been fine, but instead the representative chose to lie to me about the contents of the FCRA and tell me that collection agencies are forbidden from removing reported items. When I told her I wouldnt be paying unless she told me the truth, she said she was going to notate the account that I refused to pay. I didnt refuse. I simply refused to be lied to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: KS

Complaint narrative:
I am still seeking resolve for the theft committed by US Bank ReliaCard. I can not believe that no one is picking up on the errors US Bank ReliaCard. There were fraudulent ATM withdrawals made using my government payroll card that occurred while I was out of town working. I have verified my location at the time the withdrawals were made with my XXXX location tracking, proving I was no where near the credit union the withdrawals were made at. Secondly I have provided a signed affidavit from my employer at the time, and that individual is a witness that stated in writing that I was at work when the fraudulent withdrawals occurred. US Bank ReliaCard will not refund my stolen payroll money even though this proof was provided. When responding to my dispute, US Bank ReliaCard claims their decision to deny my claim was based on a pattern of use they say is evident in the three monthly statements they provided me. I have been over the monthly statements they provided countless times and the statements they provided do not, in any way, support the decision they made. There is no pattern of use evident in these monthly statements. The ATM the fraudulent withdrawals were made at was not used by me at any point in my history that they provided. The only time the credit union or the ATM the withdrawals were made at show up in my monthly statements or my history, is when the fraudulent withdrawing occurred. There is not one single other transaction occurring in this location otherwise. This fact alone is proof that US Bank could not have denied my dispute based on a pattern of use, as no pattern of use exists. There was never a use at all therefore no pattern can exist. My location tracking and a signed affidavit from my employer, combined with the fact that there was no prior use to establish a " pattern '', are three very sound reasons to question US Bank and their deceptive practices. They are allowing the theft of my money from my government payroll card and are aiding the thief by being deceitful themselves. And please do not respond to me and tell me to get a lawyer. I can not retain an attorney, the bank stole my money, so that is not an option.

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 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA

Complaint narrative:
This was a wire transfer deposit initiated on XX/XX/2023, ( Bank of New York Mellon ) which has not been deposited into my bank account ( XXXX XXXX  ). It has been a month and this is too long. 

I called my bank to trace the transaction and they can not since, it is coming through another bank ( Mellon ) for the wire transfer, since this is an international transfer. I tried contacting Mellon Bank and they would not communicate with me since I do not have a direct account with them. 

It is obvious that the Mellon bank that the wire transfer is coming through is negligent and abusing their rights on holding my funds too long. They need to release my funds to my bank account as soon as possible. This has caused me a terrible hardship and a poor credit rating. 

This could also be considered Elder Abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Law Office of Brett M. Borland, P.C.
State: NY

Complaint narrative:
Law office of brett m. borland has called me for a debt that i owe to XXXX XXXX XXXX XXXX. In the amount of XXXX and had threatened to garnish my wages for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: GA

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 non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I received two scam calls that i googled and appear on the black web. One of them was XXXX. After I received this call and hung up and blocked them, i received a second call from XXXX which is a local number to where I reside. They stated my social security number in the phone call and my home address. They stated I owed money on a citi bank card which i never even had. They told me that were coming to my house now to have me sign documents.

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 2023-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
On XX/XX/ there was a letter from Fair Collections and Outsourcing in my apartment mailbox. Upon reading the provided letter, I began to freak out as I was informed that I owed {$2700.00} to XXXX XXXX XXXX XXXXXXXX XXXX. I sent back a letter on XX/XX/ requesting that the collections company do not contact me unless to verify why I was receiving this debt collection letter, or to inform me that the debt would not be sent to credit reporting bureaus. I was not provided with my rights, a timeline of how long I had to dispute the debt, and what options I could take to dispute. I also informed them that they had not provided me with my rights. 

On XX/XX/ at XXXX EST, I called the debt collection company and asked for a status. The person on the phone stated that because I said I did not want to be contacted, they would not be sending me anything. I expressed that I was confused because I stated that I did want verification, and to only not reach out if they were not going to do so. The person stated that the collection was paused until XX/XX/XXXX, and that after that it goes to the credit bureaus. I asked how to go about this and was told to email then my lease. When I attempted to ask additional questions, I was hung up on. I then sent my lease and additional documentation to XXXX. 

After informing my friends of what was going on, one suggested submitting an FDCPA Violation complaint. I called CFPB at XXXX and spoke on the phone with someone who did confirm that debt collection companies are to provide my rights in the initial written letter, not over the phone. Again, as of XX/XX/XXXX, Fair Collections and Outsourcing has not informed me in written form as to what my rights are, confirmation that they would not contact me, and how to dispute the 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 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023 I had an unauthorized withdraw for my checking account. I was at XXXX market in XXXX, CA. As I approached my vehicle a female, aprox XXXX ft with XXXX XXXX informed me that I dropped a {$20.00} dollars bill inside the store. I told her that I don't have cash in my wallet, but she kept telling me to " CHECK MY WALLET ''. At one point I took my wallet out of my purse and I show it to her. ( This female was talking on the phone all the time with somebody. ) I got in my car and then she come at my window and said that she checked her wallet and that the {$20.00} dollar bill was hers. I gave her the bill and she walked away. After that I called my son, telling him what happened and he told me to check my wallet to make sure nothing is missing. When I checked my wallet the debit card was missing. My son told me to check my chase bank on my phone. When I did, I saw a statement regarding an unauthorized withdraw from my checking account for a {$1000.00}. I called the bank right then to cancel the debit card but my waiting time was around XXXX XXXX. By the time I canceled the card, the withdraw was done. My son and I went to the bank and we found on the floor 2 more receipts- one for {$500.00} and one for {$200.00} that were declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
On XXXX XXXX I purchased a car XXXX XXXX XXXX in the amount of {$62000.00} with my XXXX XXXX XXXX XXXX I was supposed to be the buyer and she the Co-buyer but that was switched around on the contract. The Car was purchased at XXXX XXXX XXXX XXXX and this does not display on my credit as a co-buyer it does display on the Buyers credit only. This has been error on my account for XXXX years and it is creating issues for me when I am applying for credit for the last XXXX years. I also was illegally charged a down payment of {$2000.00} statue 16 CFR 433.1 ( i ) which iterates Consumer credit contract is any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. With that in mind and proper understanding you can review the definition of a finance charge as it is legally defined in 12 CFR 1026.4. As of XXXX XXXX XXXX  the XXXX XXXX XXXX is not showing on my credit report as the co-buyer. This is effecting me tremendously. The vehicle is registered to me as the co-buyer with the state of Ohio but the Buyer of the vehicle with the state of Ohio. The contract state XXXX is the Buyer and I am the Co-buyer but she signed a co-buyer form and I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I opened an on-line savings account with PNC on XX/XX/2023. I transferred in funds from my XXXX bank account of {$1000.00} and from my XXXX Account for {$2000.00}. A total of {$3000.00} was eventually credited to this new savings account by XX/XX/XXXX. Then on XX/XX/XXXX my on-line statement showed a withdrawal of {$1000.00} I did not make this withdrawal nor did I authorize it. PNC says it was an ACH withdrawal by my XXXX bank and therefore not their problem. When I spoke with my XXXX bank they were quite adamant that no one can authorize a transfer of funds without the account holders permission. Furthermore they did not request this transfer of funds nor do they have any record of it and it certainly hasn't been put back into my XXXX account. PNC will not take any responsibility for what i am surmising is an accounting error of some type on their part. Instead they say that because it was labeled an ACH withdrawal they are not responsible. So essentially they have stolen, or lost, {$1000.00} of my money by dismissing this as XXXX Banks problem. Since XXXX bank did not request money from me nor have they any record of receiving these funds I am essentially stuck in limbo for getting my money back. This is outright fraud and theft on PNC 's part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
TODAYS DATE : XX/XX/XXXX MIDLAND CREDIT MANAGEM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXXelephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX , FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American First Finance, Inc.
State: OH

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX TRANSUNION, STILL BLOCK ME FROM REVIEWING MY CREDIT REPORT FROM XXXX XXXX XXXX XXXX. It never fails if I look at one report like XXXX I will not be allowed to access my credit report that the three credit agencies block me from such as TRANSUNION AND XXXX. I am having to pay for services to see whats falsely being reported. To know and find the organization to realize had I intentionally meant to be late I would not fight this as hard as I am. I am getting ready to turn the big three and fico over to my attorney one man should not fight this hard.

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