vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MI

Complaint narrative:
I have made sure to make my payments on time on the following items listed below. This items should not have a late payment status in my record. Make sure to provide me any documentation about the late payments being done on the months indicated in the report. 
TOYOTA MTR XXXX Balance : {$0.00} TOYOTA MTR XXXX Balance : {$0.00} TOYOTA MTR XXXX Balance : {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I had numerous defective orders from XXXX over XXXX. When I went to get a return and refund, XXXX wanted me to pay more than the price of the items in return shipping so I filled disputes. Citibank not only discriminated against me, they also allowed XXXX  to cause me fraud. I still have the defective and wrong merchandise they sent waiting on a prepaid return label or an address within the US to ship to. I never received that. 

So CItibank assisted XXXX and their merchants to defraud me, a XXXX individual nearly $ 1K! 

Case ids : XXXX XXXX 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 monetary relief
Consumer complaint received 2022-02-21 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: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
My mortgage was sold from XXXX XXXX  to XXXX, Since the loan was reported as paid in full to the credit bureaus and not having XXXX not reporting the new loan balance both my spouse and mine credit score dropped XXXX points. I called XXXX and they told me that they will not do anything for me. I believe this is extremely unfair, where the world runs off credit scores and we work extremely hard to ensure our credit score is as high as we can. This has impacted me negatively, I was going to apply for a personal loan but since our score dropped almost 40 points our APR would have been a lot higher than we could afford. We are not the one that asked for the loan transfer so impacting our score is an un-justified resolution

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: DISCOVER BANK
State: FL

Complaint narrative:
I received a letter from Discover bank stating that i owed {$5200.00} for this credit card on XX/XX/2022. 

I never applied for or received a credit card from this bank. 

I have received credit reports from XXXX, XXXX and XXXX and have disputed this information with them as well and they have come back to me stating it has been verified as belonging to me. 

I wrote a letter demanding that they show me an application that bears my signature. 

I did not receive anything other than a generic response stating : at that time were provided with a name and address and other identifying information. 

This account is not mine. I did not apply for credit with this bank and i have received a XXXX form for this debt. I will not be responsible for this account and i want it removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. 
The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 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 ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer 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 2022-02-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. 
The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 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 ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer 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 2022-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
My mortgage servicer, Fifth Third Bank, has failed to make any of my property tax payments and I have now received delinquent tax bills and letters from debt collectors attempting to collect my property taxes. I initially notified Fifth Third in XXXX when I received my first unpaid tax bill letter from my county. The letter stated that if the taxes weren't paid by XX/XX/XXXX, that they would be considered delinquent. I forwarded all documentation to Fifth Third Bank in hopes that my taxes would get paid, but in XXXX I then received a letter that my taxes are now delinquent. I then received unpaid tax bills from my township and school district. I again forwarded all documentation to Fifth Third in hopes that bills would be paid. As of XX/XX/XXXX, I am now receiving letters from a debt collector attempting to collect these tax payments. When documentation is submitted, apparently no one is taking the necessary steps to get my property taxes paid in a timely manner. The last home I owned was serviced by another mortgage company and in the XXXX XXXX years I owned that home, I NEVER had to call regarding payment of my taxes. Everyone at Fifth Third is " shocked '' that this mistake has happened. They've all agreed this isn't standard practice, but as of XX/XX/XXXX, my township and school taxes are still not paid and when I called today, the supervisor told me " my case manager for my escrow account has not yet looked at the item today and they will get back to me when they get a chance ''. Obviously there is no sense of urgency on their part to get this taken care of and it's truly frustrating that I have had to call so many times over the last XXXX  months to try and get my taxes paid by a company who is paid to service my loan and manage my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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:
Fraudulent activity on closed debt that do not belong to me. I have submitted police report due to my items were stole years ago. I did not authorize a credit card on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: Block, Inc.
State: IN

Complaint narrative:
I started an installment plan for a company ( XXXX  ) which was canceled on XXXX XXXX by the company. Both XXXX and Cash app will not provide a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
15 USC 1881b Permissible Purpose of consumer report, 15 USC 1681c-2 Block of information resulting from identity theft, 15 USC 1681n civil liability for willful noncompliance. THESE TWO COMPANIES VIOLATED MY CONSUMER RIGHTS, XXXX XXXX XXXX WLLING GAVE AWAY MY PERSONAL INFORMATION WITHOUT MY CONSENT, CHECKSYSTEM, AND XXXX XXXX FURNISHED THAT INFORMATION ON THEIR PLATFORM WITHOUT MY CONSENT. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. USC 1681 ( 3 ) ( e ) The term investigative consumer report means a consumer report a portion thereof in which information on a consumer character, general reputation, personal characteristics, or motive living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he or she is acquainted or may have acknowledged concerning any such items of information. Checksystem never interview any of my neighbors or close friends during this investigation of my report. These corporations have violated my consumer rights.

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 2022-02-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I tried Making a purchase on my consumer card through Commenity Bank ( XXXX ) purchase did not go through and they still took the money off of the card. The Purchase did not go through on the end of XXXX but the card company states that I made the purchase. Every time I call, I am transferred to a different person and am told different information. I have been hung up on 4 times. Every time I talk to XXXX, I am told to talk to bank, and bank tells me to talk to XXXX. I have gotten no where. I am just trying ti get this resolved because I do not want my credit score to go down or owe {$3200.00} for a purchase I did not make.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNT from my credit report immediately.

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 2022-02-21 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I submitted a fraud claim against XXXX for the amount of {$140.00} and a Navy Federal Credit Union fraud specialist responded to XXXX by crediting them back {$75.00} that was erroneously put into my account. My claim hasnt been resolved and {$140.00} is still owed but Im wondering as to how Navy Fed responded and took care of XXXX but not resolve my issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Transworld System Inc. for committing identity theft. I have never given Transworld System Inc. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Transworld System Inc. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Transworld System Inc. continues its collection efforts, I will file for litigation for actual damages caused and Transworld System Inc. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
XXXX years or XXXX year back I saw " XXXX XXXX '' was charging my credit card. I called the ph # that was provided and got no response from them. I tried to call them, my bank tried to call them when they started charging monthly amounts but they never communicated or confirmed with me as their member.. My bank cancelled the payments that was taken from my credit card account after verifying the details.. 

I received a letter few days back dated XXXX XXXX saying I am delinquent to an unknown XXXX XXXX  " XXXX XXXX '' ... I called the Debt collector " Aldous & Associates, P.L.L.C '' in XXXX I never used XXXX XXXX facilities or signed any contract. I asked them to send me the evidence that I used their facilities but instead of giving me chance to prove what they're saying is absurd they asked me to contact someone to get that information which I feel some kind of cheating in my view.. It was them ( Debt collector ) who sent me letter on delinquency on an unknown XXXX  XXXX.. If I used their service then they ( XXXX XXXX ) should have contacted me but no one called me till now..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.

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 2022-02-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.

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 2022-02-21 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: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
My mortgage was sold from XXXX XXXX  to XXXX, Since the loan was reported as paid in full to the credit bureaus and not having XXXX not reporting the new loan balance both my spouse and mine credit score dropped XXXX points. I called XXXX and they told me that they will not do anything for me. I believe this is extremely unfair, where the world runs off credit scores and we work extremely hard to ensure our credit score is as high as we can. This has impacted me negatively, I was going to apply for a personal loan but since our score dropped almost XXXX points our APR would have been a lot higher than we could afford. We are not the one that asked for the loan transfer so impacting our score is an un-justified resolution

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I was let go in XX/XX/XXXX left with out pay and I am still waiting in that hearing XXXX board case XXXX. One main I contacted XX/XX/XXXX and asked about unemployment ins. I was surprised to be told I had no coverage. 

So the next XXXX months while On unemployment I pay On time XXXX XXXX runs low I contact branch who then tells me a differing story I go in they set up XXXX XXXX XXXX covered 6 months plus 6 months so XXXX to XXXX payments covered. XXXX XXXX. 
XXXX now covid at it peak a I call to get XXXX nd half but Im told I already used 12 months Not true But they Argue I still pay my bill altogether Im still upset XXXX I notice a pay XXXX XXXX that goes to branch but I had paid XXXX and XXXX so I contact I ask for two month s to be returned. 

They in XXXX I get XXXX They back out all the months I was forced to pay in XXXX after they errored They claim I did not call I did my phone bill shows it Recently XXXX contacts me and stated she would help me get my balance down to were it was XX/XX/XXXX. We had gone back and fourth a year they show 6 months go by where I log in to find XXXX dollars owed Yet They wont admit they did not update their system They back out XXXX Principle its not right its criminal I feel I cant pay until they correct balance and keep in mind I paid even when they error they paid XXXX. To XXXX XXXX to XXXX I was due another XXXX I never paid late until they took my principle XXXX. 
They created the issue someone needs to contact me other Than than me XXXX They say I threatened them its not true I called XXXX a XXXX XXXX after he started playing games They ruin my credit they cause the issue during covid XXXX I wont pay and I want to point out my credit shows paid in time yet they want to charge 213 days of interest But they admit mistakes were made just not all of em How do they re pay XXXX plus XXXX add inters that amounts to what they are admitting they caused Please call me before you accept the lies from thrm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: IL

Complaint narrative:
I was unemployed for a little over XXXX XXXX  following a near fatal motorcycle accident ( a hit and run ) that ended with XXXX broken bones and a XXXX  long hospital stay. Ive had XXXX XXXX  over the last XXXX  months and finally returned end of XXXX to work. Ive been struggling to pay all of my bills and have been denied assistance during this time. Once back at work, I XXXX  XXXX and was unable to work for almost XXXX weeks. I am XXXX  days late on my personal loan with Tower Loan and they have begun to contact my extended family and abusive ex that stole money, belongings, and my cat from me. XXXX told my ex today, Monday the XXXX, that I am in delinquent status on my loan and that I owe them money. He is now holding that over my head as well and making it publicly known.

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