vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: DriveTime
State: PA

Complaint narrative:
DT Credit You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Admin Recovery, LLC
State: AK

Complaint narrative:
i bought a XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XX/XX/XXXX came and went and no bill. i finally got a bill in XX/XX/XXXX and they were charging me interest for XXXX bill that i never got. i clled them on XXXX XX/XX/XXXX and was trying to pay the who ; e item off. and they refused to except my credit card payment. which under the ucc 3-603, the bill is considered discharged/payed off. i called them again XXXX XX/XX/XXXX and XXXX XXXX XXXX i told them that the bill is considered payed off when you refuse to except my payment. and again they refused to take the credit card payment. so on XXXX XX/XX/XXXX i get a call from admin recovery XXXX XXXX at XXXX XXXX. i had not even gotten a letter from him. first of all the call was left on my friends house phone with information about the debt that was personal. then when i called XXXX XXXX when i was wanting more time to think about all my options he started to treaten me with my credit, and also said he would call his clients and let them do what ever they wanted to do next. the clienst is not XXXX but XXXX retail card servies/XXXX XXXX. they do not have a license to do business in alaska. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXadmin recovery has a license to do business in alaska but the place in XXXX ak has no one in the office. this office is being run by a company in XXXX XXXX nv. they only come to ak once a month if that. i was under pressure to make a decission right then. i was not allowed to wait my 30 days under the law, so i payed them {$1000.00} on a credit card that i did not have to pay because it was already discharged under the ucc 3-603XXXX XXXX XXXX told me that XXXX XXXX does except credit and debt card payments. i have the recording from all of them. XXXX XXXX  and XXXX XXXX. i have the papers the i have kept. also XXXX XXXX  after six months must discharge the debt. thats their law. i have stuff i can send you in the mail. i have no way of putting it on my computer. i don't know how to attach it to the file.

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 2022-01-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
EXETER FINANCE You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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:
There was a fraudulent account ( secured card ) opened with XXXX without my knowledge or authorization. XXXX has refused to investigate and when they said they have they refused to provide me with any information. I have never served in the military but yet the company cant explain how an account was opened in my name. They have no physical identification of mine just my social and name someone provided to commit fraud. I have recently noticed on my credit report the different data has be adjusted several times in the last few years. XXXX adjusts the delinquency and paid dates so the debt will report longer on my report. The whole account is fraudulent and XXXX couldnt provide me with any evidence that shows I opened that account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent activity being reported to the credit bureaus. I asked that the items be deleted immediately as I am a victim of identity theft. I am also requesting that you stop reporting fraudulent information as I have reported the theft of my identity to the Federal Trade Commission. Please delete the fraudulent information off my report as it is reflecting poor credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-01-25 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: CITIBANK, N.A.
State: OH

Complaint narrative:
This issue began about 1 year ago from today where I was scammed on XXXX while purchasing gym equipment and flooring for my new gym. I opened a dispute with Citi bank following the scam. 

The dispute has been ongoing for the past year, opening and closing randomly forcing me to spend about 60-70 hours total on the phone/on hold with Citi. They constantly told me it'll be resolved soon and when I discussed the case with dispute department managers they said it should be a simple case and resolve within 7-14 days. That happened about a dozen times. 

Fast forward to XX/XX/22 - Citi decided to place the {$12000.00} balance on my credit report and state that I am past due on my card, tanking my credit score and causing the rest of my credit cards to reduce my limits significantly. Now the currently amount being disputed is about {$18000.00}, well over the current balance. It makes no sense that I am " past due '' or owe them anything at all. Especially since 1 out of the 4 transactions for this $ XXXX was already sent back as resolved in my favor! They're all from the same scam. It doesn't add up. 

Furthermore, the Fair Credit Reporting Act makes it unallowable for a credit card company to negatively impact your score during an ongoing dispute. 

I am getting married in May and was attempting to purchase a house. The mortgage company says I am now under the qualifiable credit score due to Citi 's illegal use of credit reporting.

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 2022-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: PLS GROUP, INC
State: IN

Complaint narrative:
I purchased a 2 money orders amounting to {$4100.00} from PLS CHECK CASHERS XX/XX/XXXX WITHIN 20 MINS OF PURCHASE I RETURNED TO THE LOCATION PAYED ADDITIONAL {$30.00} TO STOP PAYMENT TO THE MONEY ORDERS THE LOCATION MANAGER MADE A ERROR WHILE SUBMITTING THE STOP PAYMENT AND PLACED A HOLD INSTEAD OF THE STOP PAYMENT AS REQUESTED WHICH THE HOLD WAS THEN LIFTED 7 DAYS LATER WITHOUT MY KNOWLEDGE AND ALLOWED THE MONEY ORDERS TO STILL BE CASHED WITHOUT MY CONSENT I WAS TOLD I WOULD RECEIVE MY REFUND WITHIN 30 DAYS VIA MAIL ITS NOW 5 MONTHS LATER AND PLS CHECK CASHERS HAS NOT RETURNED MY FUNDS NOR HAS GIVEN ME ANY OTHER OPTIONS TO RECOVER MY FUNDS THEY WONT COMMUNICATE RETURN EMAILS CALLS I WOULD LIKE ASSISTANCE RECOVERING MY FUNDS MY FAMILY IS FACING A FINANCIAL HARDSHIP AND CURRENTLY IN THE STAGE OF BEING XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I received an email offer from Regions Consumer Bankcard offering two balance transfer options. ( XXXX of original email attached. ) Offer one ( Region 's promo code XXXX ) was 0 % Annual Percentage Rate ( APR ) through your billing cycle that ends in XX/XX/XXXX. Offer two ( Region 's promo code XXXX ) was 1.99 % Annual Percentage Rate ( APR ) through your billing cycle that ends in XX/XX/XXXX. Transfers needed to be completed by XX/XX/XXXX, so I made three transfers in XX/XX/XXXX XXXX for {$560.00} to promo code XXXX, a second transfer for {$1000.00} to promo code XXXX and a third transfer for {$1800.00} to promo code XXXX. I also made an additional Transfer in XX/XX/XXXX for {$3400.00} to promo code XXXX. 
My concern was with the transfers to the 0 % APR promo code XXXX that ran through my billing cycle that ends in XX/XX/XXXX. I called numerous times to clarify how I could pay the balance off on offer one before it ended in XX/XX/XXXX without paying any interest and was told it was not possible because of the way they applied payments to the balances. On a call-in early XX/XX/XXXX, I was told to wait until the Promo rate ended in XX/XX/XXXX and pay it off in XX/XX/XXXX because then it would be my higher rate balance and my payment over the minimum due would be applied to that balance & I could call & get the few days of interest forgiven. So, I made two payments, the minimum, and an amount more than the balance in question. I get my XX/XX/XXXX statement and XXXX charged interest at 20.99 % APR on the balance I thought I had paid in full in XXXX. So, I called today XX/XX/XXXX, and their claim now is that promo I accepted ended in XX/XX/XXXX not XX/XX/XXXX as stated in email I received, and my payments posted in XX/XX/XXXX before the rate changed so they were applied to the balance with the higher interest rate not the balance I intended to payoff. They never wanted to see a copy of the offer I received and called me a Lier by inference.

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 2022-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
We deposited a check on XX/XX/2022 for {$12000.00} into our family limited liability company account at Sun Trust branch in XXXX XXXX XXXX, FL. On XX/XX/2022, Sun Trust advised us that the issuer of the check was likely not to pay although they are a well established jewelry company in XXXX and placed a hold on our account for 10 days. 

Thereafter, a personal creditor filed a personal judgment against our corporate account and Sun Trust placed a hold on Company account. 

Our lawyer has spent hours trying to reach the Legal Department of Sun Trust to explain that the hold is illegal and improper. The branch manager refused to give us any way to contact the Legal Department of Sun Trust.

This is simply outrageous way for a bank to conduct its affairs. 

Sun Trust should be sanctioned and made to divulge to consumers such as myself the availability of the Legal Department.

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 2022-01-25 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: FL

Complaint narrative:
Information on credit report is incorrect. XXXX is not my account, Inquiries are not mines and accounts such as XXXX  XXXX, XXXX XXXX and XXXX XXXX I'm not the primary or responsible for those 3 accounts and need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
My auto-loan with SunTrust/Truist ( XXXX ) was refinanced on XX/XX/22. A bank chat representative, XXXX, confirmed the loan payoff was completed on XX/XX/22. I am owed roughly {$750.00} from a refund on GAP insurance which the agent was unable to give me any information about. 

I was advised to call XXXX to inquire as to the refund status, but wait times are on the order of 25-60+ minutes, and there is no callback option. 

The chat representative advised me that the GAP policy refund would be automatically deducted from the outstanding payoff for clients who obtained a loan in Alabama, but the full amount ( {$25000.00} ) of the loan was refinanced with XXXX XXXX  XXXX. 

I attempted to contact the department at the number provided, but after waiting on hold for 40 minutes I could not wait any longer due to extraneous circumstances.

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 2022-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HOVG, LLC
State: PA

Complaint narrative:
BAY AREA CREDIT SERVIC You've committed " FRAUD '' It has been brought to my attention XXXX5 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent out letters on XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX. I did not authorize these companies to pull nor access my credit report. These have not been properly investigated nor disputed. This is a direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: IL

Complaint narrative:
I sent out letters on XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX. I did not authorize these companies to pull nor access my credit report. These have not been properly investigated nor disputed. This is a direct violation of the 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 non-monetary relief
Consumer complaint received 2022-01-25 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: FL

Complaint narrative:
Information on credit report is incorrect. XXXX is not my account, Inquiries are not mines and accounts such as XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX I'm not the primary or responsible for those 3 accounts and need to be removed

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 2022-01-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
ONE MAIN You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: NC

Complaint narrative:
It has come to my attention that continued requests for removal of items that do not belong to me are still entered as active or inactive trade lines on my credit report. Negatively affecting my credit/life. This is an immediate secondary request for removal and blockage of incorrect information. 

There seems to be a high-level of incompetence at this company. I have been forced to submit a dispute every 30 days for the removal of this information. 

I have not placed requests for credit and my account has zero inquiries. Id like to know how and why your company has added credit accounts to my report that do not belong to me. 

This is a demand to remove these accounts at once!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
In the month of XXXX, XXXX I spoke to XXXX XXXX from Newrez Mortgage Company. He inquired if I was interested in refinancing my home mortgage to a lower interest rate. I informed him that I was interested. He sent me that forms for me to sign through the loan company 's portal, which I did. While, going through the process, I asked him if I needed to make XXXX 's payment. He stated that once I completed the process, I would not have to either make XXXX and/or XXXX loan payments. I continued to receive notifications to sign varies documents. Once again, they were all signed and forwarded back. I received an email from XXXX XXXX, the loan processor stating that I should close by XX/XX/XXXX. I made several attempts to contact XXXX XXXX. But, to no avail he never returned my calls. t should ne mentioned that in the month of XXXX, XXXX, I had a notary come to my home to sign loan documents. In the packet it stated that I would not have to make a loan payment until XXXX, XXXX. Exactly, what XXXX XXXX had stated to me. However, I learned that my loan was denied on XX/XX/XXXX. I received no notification of the denial in the month of XXXX or the beginning of XXXX. Now, I am responsible to not only pay this month mortgage but the late fees. This is highly inexcusable and unacceptable. I asked several times if I needed to make the following payments and was told that I did not. Now, my credit score will be affected from this misinformation. From my understanding the calls were taped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MO

Complaint narrative:
I attempted to purchase fuel for my vehicle on XX/XX/2021 at XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ) using my CashApp card. Between these XXXX entities, the remaining balance on my card was drained, and I was unable to get any fuel at all. 
I spoke with the manager at the station, who said that the funds would be sent back to my card within XXXX days. 
I brought this up with CashApp who stated that they would open a case regarding this issue. Case number XXXX ( also : ref : XXXX : ref ) was issued to me XX/XX/2021. 
On XX/XX/2021, I was told that " We have received your dispute and filed a claim with the card network. As updates become available, we will keep you informed. 
Please note, the card network provides the merchant up to XXXX calendar days to review and resolve your claim. '' by support agent XXXX. 
I have yet to receive ANY form of update from CashApp to this point. Every attempt to seek further info ends up in a never-ending cycle of being transferred from XXXX rep to another and never getting anywhere.

Company response to consumer: Closed with explanation