vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
InXX/XX/XXXX we were entered into a forbearance by Bank of America. I continued to make payments though abd called each month to make sure payment was received. Each time I was given a current paid to date. Fast forward to XXXX, I received a statement with an amount due of XXXX. They reversed all payments beginnng in XXXX stating my bank rejected the payment. I called and was transferred about 6 times finally ending up with an account manger. He advised my online access was suspended when I was put on forbearance, yet they credited every payment until XXXX. So now they put us in danger of now losing our home? Yes feel as if they are acting on fraud to collect fees. Im upset as I am still unemployed. I need guidance on what to do.

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 2021-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I bought a brand new 2021 XXXX XXXX XXXX. The main reason why I choose the hybrid is for the fuel efficiency, when I looked at the car window sticker I saw number 48 MPG I was so excited about how great that number is. But in the real world driving I was shocked and surprised that I am only getting between 35 to 38 mpg. You might say well it depends on how you drive I am driving with the speed limit sometimes I was going below the speed just to reach that magic numbers! but no matter how I drive the numbers stayed the same. I do believe XXXX is misleading about the actual gas mileage and thats absolutely unbelievable and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MD

Complaint narrative:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: CA

Complaint narrative:
I am a victim of identity theft and I've reached out to Transunion and told them as well but no changes were made.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I ask that the item be deleted to correct my credit report. This issue is overwhelming and I just ask that I can be assisted in any way to help my situation. Its a closed account with {$0.00} balanced but it doesn't belong to me. 
Please apply these laws to my account The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

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 2021-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: MD

Complaint narrative:
This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: MD

Complaint narrative:
I do not have a record of this account that ever belonged to me. I've requested on various occasions to send verification from the proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: Lending Club Corp
State: AL

Complaint narrative:
Account was charged off in XX/XX/XXXX same account was later charged off again in XX/XX/XXXX with a {$1.00} decrease in balance owed. I did not make any payment. This is clearly any attempt to circumvent account aging off my credit report. This 2nd charge off posting has caused my score to drop significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: AL

Complaint narrative:
Account was charged off in XXXX of XXXX same account was later charged off again in XXXX of XXXX with a {$1.00} decrease in balance owed. I did not make any payment. This is clearly any attempt to circumvent account aging off my credit report. This 2nd charge off posting has caused my score to drop significantly.

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 2021-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
A person known as " XXXX XXXX, '' hacked into my Venmo account and sent himself multiple transactions. Each amount going higher. Until the request for {$200.00} was denied for NSF in my account. I notified Venmo that this activity was fraud and they " froze, '' my account while they investigated. ( this is all via chat, btw- Venmo has NO phone communication at the time ) Even though I did not have the available money in my account- venmo authorized all these transactions and ruled them as " non fraudulent. '' So they cost me {$600.00} in overdraft charges right before XXXX while this random person continued to steal from me and Venmo allowed it. 

When I was finally contacted by an " account supervisor, '' she didn't even mention my issue. Simply told me that I needed to pay {$40.00} back to venmo because I disputed the charges with my bank. 

I TOLD VENMO it was fraud. I had proof and logic on my side- but they didn't even care enough to have a human speak to me. I still have not heard a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
In XXXX, I moved out of an apartment complex that was owned by XXXX XXXX paid my amount due, did a video-recorded walk-through with the property manager ( everything was A-O.K.! ), turned in my keys, gave my forwarding information ( with my same telephone number they've always had ) and left. Many months later, in late XXXX, TWO collection accounts, both from National Credit Systems but for 2 different amounts, were placed on my credit report unbeknownst to me. No contact was made with me via mail nor phone re : any outstanding debts to XXXX  nor National Credit Systems, because THERE WAS NO AMOUNT DUE! In addition, upon first moving into the apartment, I purchased a non-refundable surety bond so that I wouldn't have to worry about any outstanding fees or awaiting a security deposit refund much later after my move-out. The company cashed in the surety bond AND STILL put fraudulent and erroneous collection accounts on my credit profile! When I called to discuss the 100 % fraudulent charges, the rep kept repeating that she did not work for the property management company, so I would have to pay. She wanted nothing to do with resolving the fraudulent charges. In addition, XXXX has since sold the property to another company, so no one from XXXX nor National Credit Systems can speak to me about why these trumped-up charges are being steadily fraudulently verified as accurate on my credit report although I have always paid my rent in full every month and also paid in full upon my move-out with no damages or past-due amounts noted at that time nor a later date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Its been 2 months already and i never received any XXXX card from Bank of america i keep updating them but they dont care at all. I wan na request a digital card instead so i can set up recurring transfers from the XXXX  to my bank account. Or i can provide my prepaid card so the XXXX  can load it there

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 2021-02-15 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: AFNI INC.
State: WI

Complaint narrative:
On XX/XX/2020, AFNI added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for this account. ANFNI did not verify this collection and there was no written form of communication, contract or written signature for this accused debt at all. A bill without a written signature does not validate the debt. Anyone can send me a bill and say it belongs to me. AFNI also doesn't have a signature or contract agreement for this bill. Furthermore, according to FCRA, AFNI has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Sir/Madam, I am writing this letter about my XXXX debit card account my name XXXX XXXX XXXX and i live in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX.. my previous address was XXXX XXXX XXXX XXXX XXXX ca XXXX With due respect I would like to state that on XX/XX/2020 I requested for freezing my XXXX card account due to identity theft because someone is pretending to be a worker from the XXXX and tricked me into giving my details..

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 2021-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: OR

Complaint narrative:
I tried to go over my statement from XX/XX/XXXX to XX/XX/XXXX at XXXX US Bank I have my reciepts the bank manager just ignored me at that time supposedly I was at negative {$820.00} and now Im on negative {$2500.00}

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 2021-02-15 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: DISCOVER BANK
State: CA

Complaint narrative:
Sir/Madam, I am writing this letter about my credit card account my name XXXX XXXX XXXX and i live in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX.. my previous address was XXXX XXXX XXXX XXXX XXXX ca XXXX With due respect I would like to state that on XX/XX/2020 I requested for freezing my discover card account due to identity theft because someone is pretending to be a worker from the XXXX and tricked me into giving my details..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX Balance : {$13000.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX  XXXX XXXX Balance : {$940.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX  XXXX XXXX Balance : {$1900.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance : {$720.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX XXXX Balance : {$1400.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance : {$2400.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  XXXX Balance : {$13000.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXXXXXX XXXX Balance : {$940.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXXXXXX XXXX Balance : {$1900.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance : {$720.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX XXXX Balance : {$1400.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance : {$2400.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.

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 2021-02-15 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: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
This company has unverifiable and inaccurate information on my credit report that has significantly ruined my score!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc
State: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX MO XXXX ) XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Balance Owed : {$630.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2021-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I first received notice of the charge on my credit card in XX/XX/2020 and the card had expired in XX/XX/2020. I attempted to contact the company making the charge, and for which I had not been informed of the charge, to get resolution from them with no success. I then made several attempts to contact Barclay, the issuer of the credit card, beginning in XXXX or XXXX of 2020 and was told through their customer service phone number to submit my complaint online through their dispute resolution process. I did this and each time it was submitted and followed up on that this was the only way to address the issue, they could not resolve it by phone, and that follow up could be expected to take 4-6 weeks each time I made inquiry. After I attempted to resolve this with them over months, I was told it was " outside the date '' at which it could be addressed. After the last communication I had with Barclay, I asked to discuss this issue with a supervisor and I was told one was not available at the time ( even though it was during their posted business hours ) and one would have to call me back at my number. After a couple of days, I received a call that I was unable to take at that time. I returned the call but did not reach anyone, but received a message saying " they received notice I was calling and they would return my call ''. This was attempted twice, with the same message given, and the call was never returned.

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 2021-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION

Complaint narrative:
Xoom ( XXXX ) On the XXXX of XXXX I sent XXXX dollars to my sterling account and was told a time of XXXX the next day for funds to be delivered. 4 days later I emailed checking on these funds as they had not hit and saw the notice of the system upgrade but was emailed saying they had an issue with their partner. It has now been a week and I have no heard back. 

I tried calling both their XXXX and US helplines and both hung up on me with a pre recorded voice saying there were no operators available to take my call and try again later. 

I am seeing hundreds of people affected they have taken money from my account and have now cost me double in funds because I've had ti make up for delay fees.

Company response to consumer: Closed with non-monetary relief