vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Legacy Funding Corporation
State: PA

Complaint narrative:
Upon reviewing my XXXX  credit report In XXXX of XXXX, seeking a home mortgage, I discovered false and inaccurate information furnished by Legacy Funding Corporation. The information furnished by Legacy to XXXX indicates that I opened an account associated with an auto loan on XX/XX/XXXX, last made a payment on XX/XX/XXXX, had a monthly payment obligation of {$340.00}, and has a balance of {$10000.00}. Please note that it is unknown to me whether Legacy has provided similar information to other credit bureaus, including XXXX and XXXX. However, the alleged debt actually relates to an auto loan taken out in XXXX to purchase a XXXX XXXX XXXX. I ceased making payments on that loan in XXXX or XXXX because the car had been in a previous accident unknown to me making the entire frame crooked. I told them to come and take the car and it was repossessed. Thus, I did not open any account with Legacy in XXXX and certainly did not make any payments to Legacy between XXXX and XXXX XXXX. Moreover, given the time that has passed, any alleged debt is barred as being far beyond any applicable statute of limitations. 

A demand letter that Legacy conduct and complete a reasonable investigation within thirty ( 30 ) days as required by the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 8 ) was sent on XX/XX/XXXX asking them to promptly correct such information with all credit bureaus to which my debt information was provided. 15 U.S.C. 1681s-2 ( a ) ( 2 ). Instead Legacy wrote the debt off but it still appears on my credit report and such has sullied my credit in the amount of {$9000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: Conduent Incorporated
State: GA

Complaint narrative:
I noticed fraudulent charges on this card over the weekend of XX/XX/XXXX and XXXX. I live in XXXX, Georgia, and these charges are from XXXX, TX. I have attempted multiple times to contact the company on the weekend and today. The holds have lasted up to 3 hours and I have still not been able to get through to the company. THEY DO NOT ANSWER THE PHONE. there is no way to freeze the card on their website ; there is no option to email them. I do not believe that they have any customer service people or care about the service my state pays them to provide. This card is used by the Georgia Department of Labor. This is outrageous. There are over {$200.00} worth of charges out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I submitted a complaint to Wells Fargo bank regarding a dispute about an airline ticket in which XXXX  XXXX refuses to resolve an issue with me in regards to a cancelled flight. I was unable to use the ticket because of the stay at home order due to COVID-19  so I wanted to get a refund or a credit with XXXX  XXXX. I was unable to reach them through email and through phone so I initiated a dispute with my bank. When I initiated the dispute with my bank XXXX XXXX  removed my itinerary completely and there was no record of the flight whatsoever in my name. Wells Fargo ended up siding with XXXX  XXXX  after the dispute because of the fact that they " offered me a resolution '' when in fact they did not. Their policy states that they will be giving credits to all customers affected by the COVID-19 pandemic when in fact they did not honor that.

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 2020-05-26 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 recently looked at my credit report and seen fraudulent accounts.

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 2020-05-26 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: CA

Complaint narrative:
I recently looked at my credit report and seen fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched CREDIT CARD FRAUD CLAIM LETTER dated XX/XX/XXXX. UNAUTHORIZED TRANSACTIONS {$470.00}. ( USAA HAS HELD ME LIABLE FOR THIS FRAUD ) see attatched CFPB response XX/XX/XXXX XXXX XXXX determined you reported total fraud {$810.00}. WRONG AGAIN see attatched CREDIT CARD FRAUD CLAIM LETTER {$470.00} ** IS THE TOTAL FRAUD I REPORTED XXXX XXXX with MERCHANTS CREDITS OF {$340.00}. Only {$470.00} REPORTED?? SO WHY DID USAA HOLD ME LIABLE FOR THIS {$470.00}. see attatched XX/XX/XXXX statement for review CONFIRMS ONLY {$470.00} COULD HAVE BEEN REPORTED FRAUD. XXXX XXXX {$120.00} & XXXX {$210.00} MERCHANTS CREDITED. AGAIN WHY WAS I HELD LIABLE FOR THIS FRAUD OF XX/XX/XXXX {$470.00}???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Hello, I received a late payment alert on my credit after I advised Toyota that someone in our household had been furloughed due to COVID-19 and we needed to get on a payment plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26 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: MI

Complaint narrative:
Credit inquiries are showing on my record that I did not authorize. Please see attached letter

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 2020-05-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted an online pre-qualification request to XXXX XXXX XXXX on XX/XX/2020. I specifically ensured I was doing the form for a pre-qualification as I didnt want a hard inquiry on my credit report as Im in the process of building my credit and have done my best in the past year or so to avoid unnecessary hard inquiries. XXXX XXXX then proceeded to process my pre-qualification as an actual application for credit and created a hard inquiry on my Equifax report that lowered my credit score. After contacting both XXXX XXXX and Equifax, both are pointing the finger at each other and neither believes they can fix the issue which is simply a supposed to be soft inquiry gone awry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 XXXXXXXX, XXXX XXXX XXXX, XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
During their last report of a closed checking account in XXXX, Bank of America disclosed for the first time that I owed them funds from the closure of my account in XXXX of XX/XX/XXXX and provided me with a phone number to pay those funds. Bank of America had listed me in XXXX for the missing funds, but again NEVER made an attempt to collect them until the response to my CFPB complaint back in XXXX, which violates FTC regualtions. I phoned Bank of America XXXX XXXX  on XX/XX/XXXX on a consensually recorded call ( attached ) and made a payment. I was even issued a confirmation number. Then, unsurprisingly and in keeping with its pattern of deception and abuse, Bank of America did not actually debit my account. They did the authorization debit ( screenshot attached ) but never actually pull the funds. They have made it impossible to pay my account and their listing of my account closure as due to fraud is retaliatory for me pressing charges against a banking associate who called me a XXXX in XX/XX/XXXX, and not factual.

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 2020-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I was not credited for some payments made by ACH. One of the payments was credited then almost 2 weeks later reversed. I called numerous times to inquire and the customer service reps were unable to tell me what happened or why. So, in writing I requested an audit of the loan.I never received a response back, then they sued me for Breach of Contract. They also had a repo come and take my truck. I went the next day and got the truck back, because I am the Secured Party and have first lien rights to the truck. I am a Secured Party Creditor.This was XX/XX/2018. In XX/XX/2018 I submitted a Bonded Promissory Note for XXXX to discharge the full amount they said was due. Almost 1 full month later I received a letter from them that they do not accept Bonded Promissory Notes, but they did not send it back to me. If they don't accept them, they should have returned it within 72 hours according to REGULATION Z TRUTH IN LENDING ACT. Instead, they sent me a copy of it. So, I wrote them again, requesting the instrument back, un-endorsed, if they don't accept them, they need to send it back. They did not. I wrote them 2 more times requesting it back, no response. In the meantime, there is still an open court case, 2 years later. They are still reporting it on my credit report. I wrote to the attorney representing them, notified them that I had tendered payment 2 years ago and was never credited. They have never responded. Also, the Uniform Commercial Code / U.C.C. 3-603 states that when Tender of Payment is made and is refused THERE IS DISCHARGE. Even if they never credited it, they received it, admitted they received it, so I should have been credited for it. I just want this thing resolved. I don't think it's right for them to take me to court, do nothing, but keep the case open and keep reporting it on my credit. I would really appreciate some help. Thank 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 explanation
Consumer complaint received 2020-05-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Smith & Smith Investors LTD
State: MN

Complaint narrative:
I tried disputing this debt with the credit bureau as I had never received any notice of collection on this debt. 
On XX/XX/2020 I called Hawkeye Adjustments and asked that I be sent documentation of my debt. I was told that it was not in their policy to give out confidential information and that there was no documentation of my debt as the previous owner no longer existed. I was told that the only way for me to get a bill or statement of the debt was to send in a self-addressed envelope with postage. 
On XX/XX/2020 I called again but they were closed. 
On XX/XX/2020 I called again. This time they said they would send a copy of the collection statement. 
On XX/XX/2020 I received the bill in the mail.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
We had a security system through XXXX XXXX XXXX XXXX XXXX.  We werent using it. My wife canceled it in XX/XX/XXXX with a customer service rep. The next month we got a bill showing service was still active. We canceled again. The next month same thing. Finally in XXXX they processed our cancellation but said we owed for 3 months previously that we cancelled multiple times. We refused to pay for the additional months of service as it was not used and it was cancelled. They said we still owed. Then they turned us into collections agency. I have over XXXX credit score and had perfect credit. They do this stuff on purpose all the time with all of their services because they can get away with it. Since this now impacts my finances and credit, I consider it to be a CFPB valid complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: LA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 Inquiries XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXE, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX. 
Company Inquiries MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX of XXXX I applied to Capital One for a credit card which I received and used. The interest rate was high ( mid twenties ) and the available credit was adequate at the time. I later received an offer for another credit card with a lower interest rate and three times the available credit. I paid the Capital One card down to XXXX and kept it in reserve. The last statement I received was on XX/XX/XXXX. At all times I paid my Capital One account on time, as I have all my other accounts. Abruptly and without any notice or options Capital One closed this account for the reason stated an email I received : " Re : Your account ending in XXXX Its been over 2 years since youve used this credit card account. As a result, the account has been closed due to inactivity. 
It can not be used for transactions or reopened. There were no rewards to redeem when the account was closed. 
For your security, we recommend you destroy all cards associated with this account and notify any other account users. '' Had I been contacted by Capital One to alert me that they would close the account for lack of use I would have arranged to charge and then pay a repeating charge. However, when I spoke with a representative she explained that Capital One 's policy is to not provide any notice nor explain that they close accounts for non-use without a warning or notice. 

My concern is that Capital One knew, or should have known, that by their closing the account that it would negatively impact my credit score. In fact about the same time that I received the email from Capital One I received an alert from XXXX  that my credit score dropped from a XXXX to a XXXX. XXXX  shows the event as " account closed by Grantor '' which carries a negative connotation adverse to my credit interests. My wife and I just finished construction of an addition on our home and were preparing to refinance our home. We are both employed and have no other reason why our credit would be currently affected but for the precipitous action by Capital One. This reckless policy by this financial institution may affect our ability to get the best interest rate on our home refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Company has refused to give us information on their policy regarding these issues below : 1. I have done extensive work on our home and need to have it reappraised ( WE ARE REQUESTING AN APPRAISAL BE REDONE AS THE VALUE HAS INCREASED GREATLY ). 
2. I was told from beginning of loan that we are responsible for the Hazard Insurance and condo fees paid .I have paid it in full effect from XX/XX/XXXX to XX/XX/XXXX. We have called our Insurer and have been told that we can not make a payment until XX/XX/XXXX due to rates not having been sent or bills will not be sent out until then ( AT WHICH TIME WE WILL ONCE AGAIN MAKE FULL PAYMENT FOR A YEAR AGAIN XXXX ). THEREFORE THIS CANN0T BE INCLUDED IN THE OVERAGE THEY CLAIM ON THE ESCROW ACCOUNT DUE TO THEIR ERRORS IN CALCULATIONS AND MISAPPROPIATING FUNDS. 
3. Request for Federal law to be followed regarding forbearance for three months to not affect my credit and to be put the4 back end of loan not to be due within 3 months after the forbearance period ends per Covid-19 pandemic. 

I am disputing the so called Shortage and wondering where the funds collected at closing went and the HO-6 fee of {$310.00} paid in full for XXXX year not due until XX/XX/XXXX but will be paid upon issue of bill from company to be sent out XX/XX/XXXX to be paid in full once it is issued. MOST IMPORTANTLY THEIR IS A NEED FOR HOME TO BE REAPPRAISED AS SOON AS POSSIBLE TRIED TO HAVE THIS DONE PREVIOUSLY TOLD mASS HOUSING DID NOT PERMIT IT CALLED mASS HOUSING AND THEY STATED THEY HAVE NOTHING TO DO WITH THIS AND WOULD NEVER TRY TO BLOCK ONE FROM GETTING AN APPRAISED TO UP THE VALUE OF THEIR HOME ONCE WORK HAS BEEN DONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I have been charged interest 3 months in a row for the purchases I did not make. They keep charging me interest for {$13.00} as a standard purchase interest for a month where i did {$2200.00} payments and {$0.00} purchases. I called them to sort it out and they say I have to make the payments but my balance has 0 % APR until XX/XX/2020. If I need to pay off my statement balance why is the promotional offer give in the first place with a end data? 
I think this is scam

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