vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was on the website to verify my profile information because I have a new credit card. I found out that my card was cancelled. This seemed false and the reason for the cancellation appeared to me to be false. The website said that the cacellation was due to the Mobile phone and Home phone numbers were the same number AND caused confusion on their system. Further, in XXXX I received a letter regarding my account that following the XX/XX/XXXX statement, their would be a change in my Credit Card account ending in XXXX. The notice applies to Home Depot Consumer Credit Card ( a Citi product ). In addition, my profile information shows that the email I had changed in XX/XX/XXXX had been reverted back to the old email. I did call the number provided about the issue, XXXX. Previously, web profile changes were provide a different number, XXXX. The person on the phone at the number given said my card was cancelled due to inactivity. This is not only false ; but a bad business practice too. I would not have applied for a card if I knew that they would remove me because they didn't like that I hadn't bought anything. They should have to disclose this information. I do mind the lying, false information and disregard of my credit information. They could have sent me a cancellation letter, if this is true. So I'm filing a complaint. In addition, i wish to mention that when calling the number provided, Home Depot is asking for permission to allow third-party information, other partner sharing, mobile phone calls or texting in order to contact me. I don't believe that these are jointly-shared permissions. There is now no way to remove the permission I just gave in order to use the text features which ordering frequently needs to use. Credit cards also use 2-step verification using text messaging to provide the access code. This seems to an invitation to provide unwanted and even spam messages to my email or text messages.

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 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My home loan owned by XXXX but services by Loancare. I received an incorrect XXXX for tax-year XXXX. I attempted to contact Loancare but they have not responded to my e-mails. I tried calling them on the telephone but was only able to get a computer and was unable to ever talk to a person. 

My initial e-mail was on XX/XX/XXXX. I received an automated e-mail response within a short time saying they had received my e-mail but with no other information. I still have not heard from them.

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 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I was " approved for the Citi / AAdvantage Platinum Select card, with a credit limit of {$10000.00}. Your account is considered open as of today, XX/XX/21. '' However, since that time I have not received the card which was supposed to have arrived in 7-10 days. In fact, a follow up email from Citibank said I should have received my card by now. When I called they blocked me almost immediately. I called from XXXX not from my home phone because, I, like so many others, do not use a landline often. Two customer service representatives yesterday, XX/XX/XXXX were rude and belligerent to me, asking all kinds of security questions which I passed. They lied about putting me through to a supervisor, rather left me on hold so as not to look incompetent. I ended up speaking to several more today, including a supervisor and they refused to unblock my account. To be clear, I have never received the card in the mail. I was merely asking when it was sent out. I did not ask any account sensitive questions and answered all their security questions. They kept saying 'sorry ' or 'unfortunately ' and insisted on calling me despite me not having an easy way to be called back. I said I wanted the hard inquiries pulled from XXXX and XXXX which will stay there for two years. I don't want the credit card. My account is open and I can't even use it! Nor can I close it! They will bill me {$95.00} and I will not get the bonus miles promised. Citibank is a scam. I want the account closed and the hard inquires removed at once. It negatively affected my credit score for two years starting recently.

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 2021-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
Velocity Investments , LLC is deliberating and diligently engaging in flagrantly violating federal laws. I reached out to them via my last CFPB complaint to resolve this issue swiftly. However, they have chosen to delay and be deceptive and misleading with their last response to my CFPB complaint. Velocity admitted to illegally purchasing and communicating with XXXX XXXX XXXX about this alleged debt and account account which are both individual violations of federal law. They also are stating I owe the alleged debt on this account and are one of the current furnishers of this account to my consumer reports as they have admitted to illegally purchasing it from XXXX XXXX XXXX Velocity Investments , LLC blatantly continues to break federal laws by sharing details of said alleged debt and account with XXXX XXXXXXXX XXXX who they claim is their servicer. This violates several federal laws which are all outlined in my Affidavit of Truth attached below, more egregiously my right to privacy which I own. XXXX XXXX XXXX stated to me via the CFPB that Velocity Investments , LLC furnished all this inaccurate and false account information to them in XX/XX/XXXX and also told them this information is all accurate allowing this alleged servicer to keep furnishing this inaccurate negative account to my consumer reports. They do so based on clear instructions from Velocity Investments , LLC who can and must instruct them to delete these account from my consumer reports immediately. As the federally protected consumer and natural person pursuant to Title 15 Chapter 41, I have made my demands known to Velocity Investments , LLC as is my right under federal law. Attached below is my Affidavit of Truth which Velocity Investments , LLC received and signed for on XX/XX/XXXX which outlines all my demands as the federally protected consumer. All of my outlined remedy are demands and not request. My Affidavit of Truth outlines all of Velocity 's individual willful violations of federal law along with a clear break down of the federal law to avoid any confusion. I advise whoever receives this complaint and Affidavit of Truth at Velocity Investments , LLC to forward it to their executive leadership team and legal team. This is my first official step in my private administrative process and their legal team will understand what this means. Included in my attached Affidavit already in their possession is my invoice which Velocity must pay to resolve all outlined issues ( federal law violations ). This is also a demand pursuant to federal law as is outlined in the attached document. Failure to resolve this matter swiftly only causes me more injury and will have much more of an adverse effect for Velocity as I advance in my private administrative process in the near future.

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 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AFNI INC.
State: KS

Complaint narrative:
AFNI has spent the last several months sending threatening voice messages and letters impersonating judges and law enforcement officials. I have requested validation of this debt and never received it. I have asked not to be contacted because this debt does not belong to me ( my XXXX account is current ), they continue to ignore that and harass me. Today, they added the account to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP
State: GA

Complaint narrative:
Republic Finance, by their own admission, does not show the amount of your next due payment on your online account, until the due date itself. If you sign in to check your account prior to the due date, even just one day before, so you can know how much money you need to reserve for your payment, it shows : Amount Due on : XX/XX/2021 {$0.00} I signed into my account on XX/XX/2021, the day before my due date, to see the amount and go ahead and make my payment. It showed Amount Due On : XX/XX/2021 {$0.00}. 
I was a little surprised, but I thought I may have paid enough for this month when I made my last payment. Ive had that arrangement with them before, where for instance if I make a payment that is 3x my monthly payment amount, then I dont have another payment due for 3 months. Since it showed {$0.00} due, I did not include this months payment in my budget. Today I received a call from the XXXX, GA Republic Finance branch office. When I called them back I said I was confused about why they were calling me because I had checked my account and it said I didnt have a payment due. The woman who answered my call said she knew its a little bit silly but their system doesnt show the amount due until the due date and afterward. To make sure I understood what I was hearing I said that with every other bill Ive ever paid you can see how much you owe prior to the due date so you can plan how much money you need to reserve and budget accordingly, and asked if she seriously meant that you can not see your amount due prior to the due date. She said yes, it does not show your payment amount until the exact day your payment is supposed to be made. 

My payment date is the XXXX of each month. I checked my account in XX/XX/2021. I received a call from them ( XXXX ) on XX/XX/2021 at XXXX EST. I returned their call ( XXXX ) and had the conversation described above on XX/XX/2021 at XXXX EST.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I am writing today in regards to my account with American Honda account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2021, due to Covid I was unable to make the payment in XX/XX/2021. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
On XXXX XXXX the store did preauthorization my purchase. The preauthorized purchased was then applied to the account on XXXX but instead of changing it from a preauthorization to a purchase, the same amount was subtracted from my credit limit ( XXXX as a purchase and XXXX as a preauthorization ) from my credit limit causing it to be negative amount. I only made one purchase for XXXX, not two which is what was deducted from my credit limit causing me to look like I'm over my limit. This error is effecting my credit score. I have asked them to fix the amount, but I get an automated response saying if you canceled the order please wait 7-10 days to correct.

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 2021-03-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a complaint to practice my right to challenge questionable information that I have found on my Experian credit report. I do not recognize the information listed below and request that you investigate these accounts and ascertain that these accounts are listed accurately on my file. These accounts have impacted my ability to receive credit and have provided unnecessary inconvenience. As you know it is my right to request a proper investigation. According to the Federal Credit Report Act, you are required to respond to my dispute within 30 days of receipt of this letter. If Experian fails to offer a response to my dispute, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue. The following items I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
I applied for and rcvd The Emergency COVID forbearance due to financial difficulty 's resulting from my tenants hardship due to COVID since XXXX XXXX.Wells Fargo sent all COVID exempt customers ( such as myself ) an agreement that during the COVID forbearance period ( mandated by law ) they would not report non payment to any of the 3 agencies. They DID report it and in fact reported every month as a default and negative credit report. The COVID forebearance laws are public knowledge through out USA ; therefore they have violated their contract w me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 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 2021-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
My credit report says I have 100 plus precent credit usage. This has stopped me from being able to get a car. Im a single mother of two. When I looked into it I seen credit one was reporting my closed account as a balance towards my line of credit but took away the line of credit as the account is closed. Iv contacted credit one four times over the last two months and have paid as I can. My account is current on payment and is also closed. The only line of credit I have open is XXXX. Iv attached a screen shot of that as well.

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 2021-03-10 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: KY

Complaint narrative:
My credit report says I have 100 plus precent credit usage. This has stopped me from being able to get a car. Im a single mother of two. When I looked into it I seen credit one was reporting my closed account as a balance towards my line of credit but took away the line of credit as the account is closed. Iv contacted credit one four times over the last two months and have paid as I can. My account is current on payment and is also closed. The only line of credit I have open is XXXX. Iv attached a screen shot of that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: KY

Complaint narrative:
My credit report says I have 100 plus precent credit usage. This has stopped me from being able to get a car. Im a single mother of two. When I looked into it I seen credit one was reporting my closed account as a balance towards my line of credit but took away the line of credit as the account is closed. Iv contacted credit one four times over the last two months and have paid as I can. My account is current on payment and is also closed. The only line of credit I have open is XXXX. Iv attached a screen shot of that as well.

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 2021-03-10 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have a account in collections from National credit adjusters. On my XXXX and XXXX credit report. I have no ties to this company never made a verbal agreement or sign anything from them ask to validate never provided any proof. Also shows the account went into delinquency XXXX but it says that I open this account in XXXX. I would like this collection removed from my credit report since they failed to provide proof this is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX )  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: CA

Complaint narrative:
I, XXXX XXXX recently noticed there were multiple items on my credit report that are suppose to be excluded from my report that are not from TransUnion. I believe this to be a violation of 15 usc 1681a ( 2 ) ( b ) which states in the exclusion section - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; I sent TransUnion a notarized affidavit ( XX/XX/XXXX ) with a certified receipt ( XXXX XXXX XXXX XXXX XXXX ) that was received by them XX/XX/2021. TransUnion violated my rights in section 15 usc 1681a ( 2 ) ( b ) There were 24 violations included in my affidavit as well as Exhibits that were Marked A-J. 

I also sent TransUnion an invoice for ALL the violations against me that added up to {$24000.00} for 26 different violations. Which it's a 1,000 per fcra violations.

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