vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-29 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: National Finance Company, Inc.
State: NC

Complaint narrative:
Account number : XXXX XXXX, XXXX, XXXX Violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ). Delete these accounts or remove the late payments to protect your company from lawsuits.

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my XXXX, XXXX XXXX XXXX consumer report, and I noticed you NATIONAL FINANCE CO 230 are reporting my transactions and experiences specifically late payments that you have posted on my consumer report from multiple accounts : Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) NATIONAL FINANCE CO 230 Making the report is NOT INCLUDED on my Consumer report! 


Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included in the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my Transaction/Payment history and DELETE all late payments from the accounts listed in this letter and all accounts listed on my credit reports from your company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
Purchased a XXXX XXXX XXXX XXXX at XXXX miles in XX/XX/XXXX at {$19000.00}. We tried returning the car less then 7 days later due to not a car for us as a family. We were told we had to make payments on the car first and try to trade it in after. We drove the car less then 800 miles and the clutch failed. The dealer wanted to charge {$4000.00} to have the clutch fixed. Came back to trade it in and was told we need to make more payments before they will trade it in. The dealer should of have replaced the clutch before we bought the car since it was past the 100,000 miles marker. We have had our credit run again by the dealer when we didn't have an reason to wince there was nothing happening.

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 2023-04-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I had a Western Union money order made in the amount of {$50.00} to bring my Capitol One / Walmart credit card to a {$0.00} balance. 

( Western Union Money Order Number : XXXX Western Union telephone to verify : XXXX ) Imagine my surprise when I received a statement from Capitol One listing a Late Fee of {$28.00} with {$1.00} in interest added. 

Since I sent payment to bring my card to a {$0.00} balance, I could not understand the addition of a Late Fee. 

I called Capitol One Credit Card Customer Service and spoke to a Representative about this. 

I was informed that the Money Order was not processed until XX/XX/XXXX ( after the XX/XX/XXXX Due date ) and thus, a Late Fee was applied plus Interest. I explained that the Money Order had been created on XX/XX/XXXX and mailed out, and that the Late Fee should be removed, but the Representative stood firm that the Late Fee would stand because my payment was not processed until XX/XX/XXXX. 

I eventually spoke with three Capitol One representatives, including a Supervisor, all of whom stated the fee would not be removed. 

I also wrote to XXXX XXXX XXXX XXXX, XXXX and XXXX, Capitol One XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX, on XX/XX/XXXX, but received no response from his office. 

I do not know why it took over two weeks for this Money Order to be received and credited to my account. 

I do not know if there was a shortage of staff at Capitol One due to the XXXX XXXX. I do not know if it sat in the Mail Room until XX/XX/XXXX. But I will not be the scapegoat for this. 

All I know is that I made the effort to have a Money Order made and mailed over two weeks before the due date so that the payment would be processed as cash. 

I want this Late Fee and Interest removed. 

Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
I never gave any consumer report agency written consent to to report southern management systems to my consumer report, which holds an amount of {$2000.00}. I never lived at this residency before, and no consent is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-29 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with Fair Credit Reporting Act .The list of accounts listed below violated Federal Protected Consumer Rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX five different account same company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX ( XXXX ) XXXX The above charge account was revolving charge account and was never late in payment. The merchant have reported 60 days past due to all 3 credit bureaus ( XXXX, EXPERIAN, XXXX ) and I have requested merchant and all 3 bureaus to remove as it is inaccurate. Neither merchant nor Credit Bureaus were able to provide any proof of late payment neither remove this from my credit report. I sincerely urge CFPB to instruct XXXX, EXPERIAN & XXXX to remove this from their reports. Hope CFPB will assist in this matter as it's violating my consumer rights. 

Thanks, 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 2023-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Concord Servicing Corporation
State: TN

Complaint narrative:
On Wednesday XX/XX/2023, I called Concord and asked for payoff information and where to wire funds. I received an email with instructions on how to wire the payoff on the same day. at XXXX. On XXXX XXXX the amount of XXXX was wired to Concord. On XX/XX/2023 XXXX was wired to Concord to complete the payoff of my loan. The wired funds have been confirmed that Concord has received these funds. I called every day thereafter the see if they have received funds. They kept telling me they have not received funds. I called one time and ask could i talk to someone about wire transfer. I was told that department does not have a phone and the only way i could communicate was with an email. I sent an email on XX/XX/XXXX with the information of wire tranfer. They responded they need more information. I sent the copy with all routing and account numbers of where it came from and where it went to. XX/XX/2023 I received an email from concord ee resolutions Team stating they have not found two payments. they are still working to locate the wires and as soon as they know more they will let me know. I am very frustrated. It does not take almost 3 weeks to confirm a payment. That is a large amount of money that has been missing for 3 weeks. I just want my loan paid off and do not have anymore daily interest. It should be paid off the date it was sent. I do not want to continue paying monthly payments so my credit will not be affected. Please help me. All numbers matched from the email that was sent to me. I can not figure out to send you the email sent to me but if necessary i can send to you with direct wire instructions from them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I want to close my business account XXXX However I kept calling Citi business # XXXX That was over 2 hours, after a very lengthy verification, it keeps directing me to personal and then personal keeps redirecting me to business, the process continued for over 2 hours!!!!!! 

Online chat is of no help as they keeps telling me to call the same number I am severly disappointed in the service, please close the account, effective XX/XX/29

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 2023-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
I've highlighted the inconsistencies and inaccuracies in the account information provided from the three credit bureaus : XXXX, XXXX, and XXXX. 

Date Opened : There is a discrepancy in the Date Opened across the three bureaus. 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Last Reported : There is a discrepancy in the Last Reported date between XXXX and the other two bureaus. 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Date Last Active : There is a discrepancy in the Date Last Active across the three bureaus. 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX These inaccuracies and inconsistencies may violate the Fair Credit Reporting Act ( FCRA ) provisions. In particular, they violate Section 611 ( a ) of the FCRA, which states that a consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate when a consumer disputes the accuracy of information in their credit report.

Given that the collection agency has verified the inaccurate information, the credit bureaus are now in violation of Section 623 ( b ) of the FCRA, which requires a furnisher of information ( in this case, the collection agency ) to conduct an investigation upon receiving notice of a dispute from a consumer reporting agency and report the results back to the consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have the Citi Prestige card from Citi Bank which has a {$490.00} and as part of the benefits allow for two " fourth night free '' hotel bookings each year. I have tried to use this benefit over the last few weeks only to be told that I do not have this benefit available to me despite that it is a benefit of this card in the terms and conditions of the card member agreement. I have had a few hours of calls with Citi and finally had a representative admit to me that there is a known system issue preventing cardmembers from using this benefit and there is no known resolution date and they may or may not resolve it this year even. I attempted to place my annual fee of {$490.00} in dispute as a " problem with goods or services '' while this issue was resolved but Citi indicates they are exempt from disputing their won charges. I don't understand how Citi can charge me the annual fee while knowingly not providing the full benefits of the card. While I understand technical issues happen I should have some protections should this issue not be resolved ; and Citi has indicated that I only have 30 days from the date of the annual fee billing after which time I will have no entitlement to any refund of my annual fee ( even if they don't resolve the benefit issue ). 

This clearly appears to be a fraudulent and deceptive business practice and I would appreciate a response from Citi bank corporate as to this issue.

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 2023-04-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: TX

Complaint narrative:
On XXXX XXXX I filed a dispute over a {$120.00} transaction I didn't make. I was told at the time they would send me the necessary paperwork to file this dispute and if I returned it to them within 10 business days I would get a provisional credit for my use during the investigation. I also requested the statements for my account though I have their app downloaded for my use. USPS delivered them here on XX/XX/XXXX and I returned them via email on XX/XX/XXXX. On XX/XX/XXXX they attempted to deposit the money to a debit card that's not valid. My statement shows the credit and the debit they attempted. On XX/XX/XXXX they put the money back on my debit card shows as a reversal credit. On XX/XX/XXXX I think it was I attempted to pay my XXXX electric bill and my card declined as insufficient. At this time I called to check the transactions and found out that on XX/XX/XXXX they had taken the provisional credit back off m card .they called to find out what was the reason for taking the {$120.00} off the card without any warning or permission from me. Their fraud investigation person I spoke with told me they had made that deposit twice and were correcting their mistake and I had my water shut off and had borrow money to restore service at a {$50.00} reconnect fee 3 days later. On XX/XX/XXXX I received the statement I requested along with a letter from them stating the dispute was found in my favor and the provisional credit would remain as a permanent credit. To date I have still not received any portion of the {$120.00} reversal debit they did on XX/XX/XXXX. As result I am currently going hungry and so is my little dog. I'm XXXX XXXX and recently widowed. They should give me back my money it's I've robbed twice. I have pictures of all the things I've told you about. From the statements, the app I use. I sincerely thank you for any help. The SR number for my dispute with XXXX XXXX is XXXX. I don't know why my calls to XXXX XXXX say XXXX but my phone used to be locked to them. All I can figure out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-29 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: AZ

Complaint narrative:
Hello, These are the inquiries as shown below which was never acknowledged or approved by me but I see them outstanding on my Credit Report. I have reported to the respective credit bureaus to remove them as they are not acknowledged but there is no action or feedback from their end. Please help in removing these inquiries as I have have never provided any consent for any of them. ThanksXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 TransUnion 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Hello, These are the inquiries as shown below which was never acknowledged or approved by me but I see them outstanding on my Credit Report. I have reported to the respective credit bureaus to remove them as they are not acknowledged but there is no action or feedback from their end. Please help in removing these inquiries as I have have never provided any consent for any of them. Thanks, 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 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 non-monetary relief
Consumer complaint received 2023-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NV

Complaint narrative:
I live at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. My name is XXXX XXXX. Ive been living here for 16 years. The loan was originated with XXXX XXXX XXXXXXXX. I feel behind or I try to file bankruptcy but it got dismissed in XXXX. I did not complete the bankruptcy, so I was still behind then XXXX XXXX XXXX was supposed to have sent the loan to Celine finance so all of the year and something they sent the one there I was trying to modification with them. I never could get through to Celine finance that supposed to be house in Texas so now theyre trying to foreclose they found paperwork in XXXX XXXX XXXX XXXX XXXX, XXXX. I need some assistance. Im trying not to lose my home, but it doesnt seem like theyre trying to work with me. Theyre trying to say that Im behind 54 payments with Celine finance. They only have had the account for a year and a half. If you could please help me I would greatly appreciate it. My phone number XXXX thank you. I have also contacted Americans with XXXX act. XXXX on XXXX. Ive been on XXXX for at least 10 years. I also work jobs to compensate for my income.

Company response to consumer: Closed with explanation