vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THIS ACCOUNT WAS REMOVED, THEN REINSERTED AND I WAS NEVER CONTACTED, THAT'S A SERIOUS VIOLATION OF THE FCRA, IM ASKING FOR THIS ACCOUNT XXXX TO BE IMMEDIATELY DELETED FROM 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 explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: FL

Complaint narrative:
THIS ACCOUNT WAS REMOVED, THEN REINSERTED AND I WAS NEVER CONTACTED, THAT'S A SERIOUS VIOLATION OF THE FCRA, XXXX ASKING FOR THIS ACCOUNT XXXX TO BE IMMEDIATELY DELETED FROM 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 explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MO

Complaint narrative:
We refinanced with XXXX in XX/XX/XXXX. As part of our closing, they insisted on paying our property taxes that were due by XX/XX/XXXX. So the title company for XXXX  ( XXXX XXXX XXXX ) paid our property taxes at closing ( receipt attached ). Shortly thereafter, our mortgage was sold to Specialized Loan Servicing. Specialized Loan Servicing then sent in a check to pay our property taxes AGAIN. The website shows they issued the check to XXXX XXXX on XX/XX/XXXX for {$4900.00}, which left our escrow account firmly in negative territory. I tried calling them on XX/XX/XXXX when I realized their mistake, but could not get through to the escrow department. It kept disconnecting me. I got a hold of a live person by going to the payment division, and the rep confirmed that the phone lines for escrow were down and to call back another day. He suggested I contact XXXX XXXX in the mean time to see what happened with the payment. I called XXXX XXXX MO XXXX XXXX XXXX, who confirmed that they had indeed received the check from Specialized Loan Servicing, but as the property taxes for our account had already been paid previously on XX/XX/XXXX by XXXX XXXX XXXX, they sent the check back to Specialized Loan Servicing without depositing it in early XXXX. In the mean time, I sent an online message to Specialized Loan Servicing to try to rectify the situation since their phones were supposedly down. All I received was a message to call them. Not helpful. As they have limited hours, I had to take time off work on XX/XX/XXXX to try to get a hold of someone again. Finally did. She said they would " research '' it and to give them XXXX business days, even though it had been at least a week since they likely already received the returned check. It has now been XXXX weeks since my phone call to them and nothing has been done. I am extremely concerned about our money at this point, as their online reviews are awful. We didn't have a choice as our mortgage was sold to them, so it is important that someone is watching over their business practices. They have STOLEN {$4900.00} from our 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 2022-02-05 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: CITIZENS FINANCIAL GROUP, INC.
State: MN

Complaint narrative:
I signed up for the XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX under a promotion - 5 % back on up {$6000.00} in purchases. Two statement periods later and the bonus cashback still hasn't been applied to my account ( the base is 1.8 %, the bonus is an additional 3.2 % ). I last called on XX/XX/XXXX, and was told the bonus was on queue and would be on my account " soon '', but that this would be " escalated ''. I attempted to call again today ( XX/XX/XXXX ), but the hours on their website are invalid, and I was not able to speak to the company directly. Citizens Bank is not honoring the advertised promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: DISCOVER BANK
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiry that I find to be problematic. The inquiry in question was apparently made by DISCOVER FINANCIAL SERVICES ( XX/XX/2021 ) ), and I have no recollection of doing any business with DISCOVER FINANCIAL SERVICES. I contacted DISCOVER FINANCIAL SERVICES and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To Whom It May Concern : I had submitted multiple disputes in regards to a duplicate account that TransUnion has failed to investigate. 


I recently received a copy of my Transunion credit report. The credit report showed that there was more than one account with XXXX under various company names. My records show that I have only one account and it's XXXX and not XXXX. Both accounts share the same account number. 


The following is a list of names and account numbers that I are duplicated. This is the exact reporting of the data. These variations of account names and numbers give an appearance of more than one account. 

Duplicate Account Names Duplicate Account Number XXXX XXXX XXXX XXXX Please take what steps are necessary to report the one account that I have with the creditor and delete the other one. This reporting error is negatively affecting my credit rating. 

Please correct this error as soon as possible. Please send me notification when it has been corrected since it is negatively affecting my credit. 

Thank you for your help. 
Sincerely, 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 2022-02-05 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
My card was taken and charged under false pretenses, fraudulently, and without my permission. I immediately contested the charge, and have repeatedly explained the circumstances that occurred to American Express. In my most recent attempt, I provided a letter recounting the entire history of the dispute and my multiple attempts to resolve it with American Express ( see first attachment ). In response, American Express provided the same generic response, attaching the same illegible " supporting documents '' that in no way support the charge or contradict the circumstances that I have described in a sworn declaration ( see second attachment ). In short, this is a fraudulent charge that American Express has repeatedly failed to reverse or to meaningfully address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiry that I find to be problematic. The inquiry in question was apparently made by CAP ONE NA ( XX/XX/2021 ) ( XX/XX/2021 ) and I have no recollection of doing any business with CAP ONE NA. I contacted CAP ONE NA and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiry that I find to be problematic. The inquiry in question was apparently made by CAPITAL ONE AUTO FINANCE ( XX/XX/2020 ) and I have no recollection of doing any business with CAPITAL ONE AUTO FINANCE. I contacted CAPITAL ONE AUTO FINANCE and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I used to have XXXX XXXX Credit Card from Wells Fargo, which was closed in winter XXXX. That card had certain benefits, such as Cellular Telephone Protection, Retail Protection, Extended Warranty, Worldwide Travel Inconvenience Insurance : For Lost or Damaged Baggage, etc. Those benefits were supposed to be covered by XXXX XXXX XXXX, a member insurer of the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. When I filed a claim for my losses, XXXX XXXX XXXX denied it with false reasons. I filed an appeal, and it was not even responded to. So, the guide of benefits specified that all disputes were supposed to be arbitrated by XXXX XXXX XXXX ( XXXX XXXX. When I filed my request for arbitration with XXXX and served with my XXXX XXXX XXXX XXXX and its representative, XXXXXXXX XXXX XXXX, they refused to participate in arbitration, and XXXX administratively closed my Case Number : XXXX. The XXXX 's decision clearly stated that Wells Fargo was supposed to remove XXXX XXXX XXXX as its underwriter from its guide of benefits. However, Wells Fargo refused to obey that decision and it didn't remove XXXX XXXX XXXX from its guide of benefits. When I filed my complaint with CFPB XXXX, Wells Fargo responded that my card was closed in XXXX, therefore I lost all benefits in XXXX. Well, first of all, even if my card was closed in XXXX, any claim I filed prior to that was supposed to be properly responded and arbitrated within allowed time period. Second, my card was still open in XXXX, and it was closed in XXXX ; however, I filed my claim with XXXX XXXX XXXX prior to my card was closed, that was why XXXX XXXX XXXX was supposed to review my claim and respond to my appeal, which it didn't do. Besides that, all disputes related to the claims filed prior to the card closure were supposed to be arbitrated with XXXX, which XXXX XXXX XXXX refused to do as well. So, I request another time to remove XXXX XXXX XXXX from Wells Fargo XXXX XXXX XXXX XXXX XXXX decision clearly stated.

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 2022-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Placement Services, LLC
State: IL

Complaint narrative:
In response to two medical debt collections, I sent a debt validation letter to Professional Placement Services , LLC via certified mail on XX/XX/22, the company received the letter by that following Friday XX/XX/22. In return, this company has failed to validate my debt. Instead, they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. I asked the company to please delete this information from my credit file and cease all collection activities immediately before it appears on my credit file.

Amount requested : {$86.00} Debt 1 : {$75.00} Debt : {$10.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Since XXXX of 2021 Transunion LLC is submitting false information to XXXX XXXX. 

I stopped using my XXXX 's charge card because every time I used it, Transunion Reported to XXXX XXXX, my account was not paid on time, on the same day the charge to the XXXX 's card was transacted. 

XXXX reports wild information like my loan in creased by XXXX when no loans have been taken out or decreased by XXXX for who know why. 

This month Transunion is reporting to XXXX XXXX a XXXX account was closed, which I haven't had a XXXX account for 30 years. 

Transunion also reported in XXXX of 2021 by student loan payment wasn't made which was also false. 

Every month this happens I report the misinformation to Transunion and the credit report is fixed. 

This month Transunion lowered my credit score XXXX points because XXXX reported a XXXX decrease in student loan debt, who knows why, and someone reported to Transunion a XXXX account was closed, and like I stated above, I haven't had a XXXX account for 30 years and closed then Why did my score go down with these actions? If the reporting was factual my score would have gone up! 

Is Transunion LLC owned by XXXX BANK XXXX XXXX XXXX XXXX XXXX? 

Who owns Transunion LLC? 

How can I stop the fraudulent reporting by Transunion LLC and 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 2022-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I bought a new XXXX XXXX XXXX  XXXX XXXX from Toyota of XXXX, Texas dealership on XX/XX/XXXX. I had a good credit score of XXXX. 
I had a very unpleasant customer experience for the rate which was offered to me of 3.99 % which is way too high. I had put down cash for {$10000.00}. I also have a loan with Toyota Financial Services with 0.00 % APR and almost be paid up by XX/XX/XXXX. 

The disclosed rate for XXXX brand interest rate is 1.99 % and it does not specify clearly which one. The XXXX XXXX  is a very new addition to the XXXX XXXX  and thus opened the possibility of extortion. 

At this time my rights have been violated and am feeling being deceived and to avoid embarrassment I had to forcefully accept against my XXXX since there was no other option at the table. I was told If I back out I would lose my deposit of {$1000.00} which I had paid last week on XX/XX/XXXX. I had made it clear at that time I would be financing. 

I was not informed of my rate earlier, which would have been applied which would have enabled me to make an informed decision and thereby it is a violation of the Federal Act of " The Truth in Lending Act '' which helps protect consumers from unfair credit practices. All the above took place at the time during the last stages of signing and when the vehicle was to be taken out. Had I got to know earlier I could have tried getting a loan from outside and especially thru my employer which was offering at a far lower rate plus my employee discount rate. I was looking forward to the interest rate to be offered by Toyota which at times are far lower. 

I reached out at my grievances on XX/XX/XXXX to the Finance Director of XXXX XXXX and also XXXX -Relationship Manager. I had also lodged a complaint with Toyota Financial services and their customer service reached out - XXXX Case # XXXX dated XX/XX/XXXX and till date there has been no resolution. 
After reaching out Toyota Financial they said it was soley at the discretion of the dealership and rates are fixed at their end. Reaching out to the Toyota of XXXX dealership they are unable to assist and not able to arrive at a decision where they entirely violated the truth in lending and victimize their unknown customer intentionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for 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 non-monetary relief
Consumer complaint received 2022-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: CA

Complaint narrative:
I continued to receive collections letter due to a XXXX XXXX XXXX computer error. The claim was due to a computer error on the part of XXXX XXXX XXXX or possibly fraud ( I dont know ). About 3 years ago, I spoke to an XXXX XXXX XXXX consultant and I was told that this was resolved and indeed it was a computer error that occurred ( I switched carrier from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX continued to charge me after the switch ). I received collections letters ( numerous letters ). I am shocked to receive yet another collections letter re the same XXXX XXXX XXXX. Each time I call XXXX XXXX XXXX  it's a time wasting exercise of talking to a ROBO voice person and spending no less than XXXX minutes to speak to a live person and then after that, XXXX to XXXX minutes to find me and the account. I have done this enough times to be extremely frustrated. I experience long wait time, cumbersome questions, often re-telling the story in entirety and speaking with someone who is not able to correct the problem. I am at my wits end. I don't know how to end the harassment letters from collections agencies. Out of principle, I don't want to pay for something which I don't owe. I ended yet another call with an XXXX XXXX XXXX representative who was dropped my call as he was trying to forward me to another department.

Company response to consumer: Closed with explanation