vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
In the month of XXXX of 2020 I was out sick the whole month with XXXX  and was not able to go to work. During that time I wasn't getting paid and I could not pay my bills including my car payment. I was then given a late payment on my credit report. I tried contacting my financial company about the issue, but everyone I speak to says something different and I havent been able to fix the issue. The late payment is causing me to not be able to get a home loan or auto loan. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: AL

Complaint narrative:
Please remove the fraudulent account from my credit file. See attached Documation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My bank charged me over {$900.00} because of the fake check that was deposited through their branch. It was deposited in XXXX, and the bank charged me on XX/XX/XXXX. I immediately filed a claim, and the banker that was assigned to my claim ended up closing the case, even though it was impossible to miss that the transaction was a check fraud. 
After I've spent hour and days trying to escalate the claim they promised that my claim will be expedited and my claim assignee will call me back. She never did. 
The bank let the person committing the fraud to deposit and later cash out a check that had a fake signature, and they let the criminal to get away with it and the claim assignee wasn't held accountable for it.

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 2022-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
I have been unable to get Caliber Home Loans to correct the payment errors that are listed on my account and that were wrongly reported to all 3 credit bureaus, which has negatively impacted my credit score. My bankruptcy was discharged on XXXX XXXX ( see attached ), which Caliber agreed that all payments were current on my loan my Bankruptcy would not have been discharged had I not been current on all payments owed. I am asking that all late fees be refunded to my account, all negative reporting to all credit bureaus be removed, and any fines and penalties due to these ongoing errors be resolved. The amount of stress, anxiety, and mental anguish this has caused has been immense! 

The following listed payments are what Caliber has listed for me for the year XXXX : XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$1100.00} XXXX, XXXX : {$750.00} XX/XX/XXXX : {$2500.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$920.00} XX/XX/XXXX : {$1000.00} Total : {$9900.00} Caliber failed to credit the payment I made on the following, dates in addition to the payments listed above ( See XXXX attached pages from my bank as proof of payment dates listed are when the payment cleared my bank ) : XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$1900.00} XX/XX/XXXX : {$750.00} XX/XX/XXXX : {$2500.00} XX/XX/XXXX : {$1900.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$920.00} XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$1000.00} Total : {$15000.00} In other words, I paid in XXXX a total of {$25000.00}, of which Caliber only credited me for {$9900.00}. I estimate ( based on worst case monthly scenario of {$1900.00} per month ) that I overpaid Caliber at least {$1800.00} for the year XXXX. 

Fee Errors : Your company incorrectly imposed a Late fees of {$190.00} as of my XX/XX/XXXX statement. See attached XX/XX/XXXX statement. 


Default Errors : Your company falsely put my loan in Default status and has sent someone to place notices on my front door XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Every time I have contacted, or attempted to contact Caliber by phone, I usually wait 1 hour to actually talk with a person and am on the phone for an additional 30-45 trying to resolve my issues and disputes to no avail. On XX/XX/XXXX I sent a letter via fax to : XXXX as instructed. I was told on XX/XX/XXXX that my fax was never received. I mailed the attached letter, and proof of payments to Caliber from my bank dated XX/XX/XXXX on XX/XX/XXXX. As of today, XX/XX/XXXX, I have not received any reply and continue to receive statements with incorrect payment, and Outstanding Principal amount information. ( See attached statement dated XXXX/XXXX/XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: AL

Complaint narrative:
I have no idea who or what this service is for, or why they placed a report on my TransUnion Credit Report. I had been several phone calls that when searching via XXXX the phone number on the caller ID, it indicated the below company. They, whom ever was placing the call, never left a voice message nor attempted to contact me via XXXX or Email. 


XXXX XXXX XXXX Collection/Chargeoff Other {$930.00} Status XX/XX/2022 Collection/Chargeoff Derogatory Not Reported Account Details XXXX XXXX XXXX Not Reported Individual 0 Years , 1 Months Not Reported {$930.00} Payment Details Not Reported Not Reported Not Provided Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX, MS 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 2022-03-14 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
i call them to make a pymt on my acct, they could not find my acct but bill me XXXX i dont want late or interest chgs

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I was told by Citizens Bank that a loan modification was granted to me and my husband on XX/XX/XXXX. I received the loan modification offer via mail on XX/XX/XXXX. I reached out to Citizens Bank to get more information, but Citizens Bank was not clear to me on what I had to do. I decided to wait until Citizens Bank communicated with me. On XX/XX/XXXX I called citizens Bank to see what was the status on my loan modification offer because the offer I received back in XXXX stated the offer expires XX/XX/XXXX. The customer rep I spoke to at Citizens Bank on XX/XX/XXXX told me they sent the paperwork that needed to be signed, to a notary in my area and that the notary was supposed to call us to come in and sign it..I told the customer rep we never heard from any notary regarding this. So I asked the customer Service rep at Citizens Bank to send us the paperwork and my husband and I will go to a notary and have it signed. She agreed and ordered the paperwork to be sent to us and said we would receive the paperwork in 2-4 business days, via XXXX. When I did not receive the paperwork I called Citizens Bank 4 more times and got a different response as to how long the modification paperwork would get to us. The last person I spoke to at Citizens Bank said we will have the paperwork within two weeks. I t is now over 2 weeks and we still have not received it. I am submitting this complaint because we need your help in getting this taken care of. We are past the XX/XX/XXXX deadline for this modification offer. Also, the last rep at Citizens Bank told us they will only foreclose if we did not agree to the loan modification. My husband and I desperately need this loan modification to happen as we don't want to lose our home. With this loan modification we won't have to pay in arrears and the new monthly mortgage payment is manageable. If you need any more information please contact me at XXXX or email me at XXXX. Attached is the loan modification offer we received from Citizens Bank on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: CO

Complaint narrative:
My identity was stolen by my adopted son and he used one of my credit cards to obtain over XXXX in cash through a XXXX XXXX. XXXX XXXX has determined I owe the money even though I have filed a report with the Federal Trade Commission and have filed a report with my local Sheriffs department who have launched a criminal investigation.

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 2022-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Commercial Services, Inc
State: WI

Complaint narrative:
Received a call from NCS ( collection agency ) XXXX XXXX regarding a balance from XXXX XXXX from XXXX. He said the bank had an oversight many years ago and failed to contact me. When asked for him to verify my address he had an address from XXXX and said they just had an oversight and did not send out collection activity and now XXXX XXXX  wants to recoup the money and failure to pay would put me into XXXX XXXX. I am furious because I have a great credit score and very little debt and to be contacted years later without notice is unreal! He said he did understand how odd this is and said to wait for a letter in the mail. I asked " how are you sending a letter when you don't have my address? He said " oh we will just put your info in the data base and find it ''. I said well how come you haven't done that in 16 years? He said " it was an oversight ''. This is ridiculous! I contacted XXXX XXXX  and was told they sold the account in XXXX after being told by XXXX to contact them. I will also be filing a XXXX  complaint as well!!! Acct # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
I got a letter from Credence about an alleged debt from them. I sent them a debt validation on XX/XX/XXXX ( XXXX certified mail receipt attached, signature receipt, and tracking history attached ). They did not reply. Then I sent out a failure to validate on XX/XX/XXXX ( XXXX XXXX mail receipt attached and tracking history attached ) per FCRA and they still did not reply with validation. I also sent the letters I mailed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Corporation of America
State: FL

Complaint narrative:
I went into XXXX at the hospital in XXXX, TX on XX/XX/21, I paid {$1200.00}, but I had a bad experience and don't live in Texas anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I have written a letter to Equifax and Informed them that following items on my credit report are inaccurate and they should be remove ASAP. I never received any corresponding from the Equifax that they have initiated any inquiry. It has been 30 days since I sent them letter. Therefore, According to the XXXX FCRA the following unauthorized and unverified must be removed immediately, since they are stopping me to getting into a home. 

XXXX. XXXX XXXX ( XXXX, Account is not mine ) XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Account Paid Off ) XXXX # XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. TX- XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. TX XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp
State: GA

Complaint narrative:
Dear CFPB, I was contacted by Lending Club who I recently filed a complaint with you about regarding my identity theft. They failed to report back through you with a very threatening email. On XX/XX/2022 I received an email from XXXX XXXX XXXX giving me a deadline to respond to within 15 days when in fact they should be communicating to you at the CFPB. This is an example of their unethical business practices and how they chose to ignore what I've been communicating for years. 

I responded back to XXXX XXXX asking him to only communicate to you at the CFPB. This account was a part of my identity theft and they are continually choosing to destroy my creditworthiness with an account they no longer own. I keep asking that they please follow FCRA reporting act with regards to furnishing information that is untrue. 

When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I leased a XXXX XXXX XXXX XXXX for 3 years with financing through GM Financial ( account # XXXX ). The lease was fully pre-paid by me in the amount of {$20000.00}. Before the end of the lease GM issued a recall on the vehicle due to battery fires, and the fix for the defect ( vehicle battery replacement ) was not available at the time my lease term was about to end ( XX/XX/XXXX ). So, instead of buying the car out at the end of the lease, as initially planned, I returned it 2+ months early ( in XXXX of XXXX ), not using the final two months of the lease payments to the tune of {$1100.00}. I requested in XXXX of XXXX that GM financial wave the {$420.00} lease termination fee ( see attached document ) since the vehicle was unsafe, but to this day they did not respond to my letter, instead willfully and maliciously reporting me to several credit rating agencies as a delinquent lessee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX has violated my rights. 



Inquires : XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX has violated my rights. 



Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX. XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX. TransUnion XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX. XXXX/XXXX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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.

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 2022-03-14 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: GA

Complaint narrative:
Synchrony Bank with Discount Tires had an unknown individual make a fraudulent payment on my account showing a zero balance that I did not place using their automative system meaning someone has access to my account I did not make the phone payment myself or anyone else who is authorized to use my account did not make this payment either. The reason why this is an issue is because I have a promotional offer that waves interest for a certain time period and I do not want to lose this promotion. 

My initial call, the customer service representative had me on hold for 33 minutes refusing to transfer me to a manager or the fraud department while already being aware my account had been compromised. I used another phone I had in my house and was able to get the fraud department within 3 minutes. The fraud department wanted to then send me back over to customer service even though I told them I did not make the payment and someone is playing with my account. The proper steps for Synchrony to do was to cancel my account and to provide me with a new account number and card but instead nothing is being done on their side. Their fraud department and customer service representatives need to be trained better as this could really cause issues to individuals livelihood during a precedent time like this. I find how they handled this matter un-acceptable and if they are not able to trace who places calls on their automative system... why do they have one? Please investigate this company.

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