vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Following the complaint ID XXXX submitted on XX/XX/XXXX in which

CITI bank cheated me on a {$3500.00} bonus regarding my savings account, now CITI has been resentfully revengeful by closing two if my credit cards, namely BEST BUY and COSTCO. I have never been late on payments for the two credit cards and I have always paid the balance in full to avoid finance charges and service fees ( may be that is something that CITI does not appreciate ). However, I have no regret and no sorrow not to be able to use these cards anymore and I would pay the balance of {$23.00} on my Best Buy card before
the due date. However, CITI is refusing to give my my rewards of about {$90.00} for the purchases I had been making beforeXX/XX/XXXX. The balance on the Costco card is about {$750.00} but I would like to have my reward bonus to be taken into the account before I pay the remaining balance, but CITI refuses to honor the rewards that I had earned using CITI card. This is outrageous and it is not fair.

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 2021-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a check for {$110000.00} on XX/XX/2021 and they put a hold on the entire amount until XX/XX/2021, causing me undue hardship as I will be evicted and become XXXX for lack of payment to my landlord. Federal regulations dictate that they need to release XXXX dollars within one business day and then XXXX dollars within 2 business days if they are going to hold it for an extended period of time. Also both banks are within federal reserve district 12 and as such I thought that they needed to allow me to have access to more of that money at least to write checks not necessarily to withdraw cash and theyre not even allowing me to do 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 monetary relief
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
Loan officer XXXX XXXX quoted me a rate of 2.5 % APR prior to the application but having all pertinent information for a refinance. ( My loan is already with HomePoint ) He asked that I fill out the application, and upload all my information.

After one day he called back saying he misquoted me because he ran the scenario as SFR vs. my condo. Although he had this information prior quoting me the rate.

After uploading all docs and review and many conversations and emails. We agreed to 2.625 % {$1700.00} in fees.

They quoted and said they locked in a rate of 2.625 % {$1700.00} in fees. One day later they said they cant honor it and will price the loan at 2.75 and {$1700.00} in fees. 

Classic example of bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc.

Complaint narrative:
Hello when I enquired the link I had given my details and applied for a loan. The company had within minutes approved my loan and moved funds to wallet wherein they are requesting me to withdraw and use. Please want to cancel this loan and delete the app. Please help me cancel the loan and also the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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:
There are accounts and personal information that are showing on my credit report that are NOT mine. I've called, sent letters and still no solution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I became severely ill and almost XXXX 2 times. Unfortunately, I lost my job while going thru treatments. The treatments continue and will continue probably for the rest of my life. Due to my XXXX horrible illness, my doctors instructed me to to file for social security XXXX and VA XXXX. Which I did. I was approved for both at full XXXX. I am 100 % total and permanent XXXX thru the Department of Veterans Affairs and on full Social Security Disability. 

All of this information has been communicated for the last few years with Navient. The company will not listen to you as their customer. I have sent letters from social security and doctors. I have sent letters from the XXXX Navient does not care. They will continue to call you and your family 10 to 15 times a day. They will continue to report negative information every month on your credit reports and completely ruin your credit profile. Navient will put your student loans into default even when they have all of this information in front of them. 

Due to all of this negative reporting on the credit reports, my wife and I have lost opportunities to rent apartments and or houses in our area. Our car insurance is higher and our monthly payments on the vehicle we have is extremely high.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I reviewed my credit report and saw a collections from AWA Collections for a debt that I know nothing about. On my credit report it states that the original debt was with the XXXX XXXX, which I am still a member of. My mail box has been broken into many times over the last 4 years and my identity has been used fraudulently. I have reached out several times to AWA Collections to have them delete this item and they have not responded. This is not my debt and I know nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My account was closed after depositing a check and funds were never received. I never got my money chase didnt even send my check back I been without my funds for months

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
After review my credit report I found a collections on my reports from CKS Prime Investments stating that the original debt was from XXXX XXXX  Card. I have never had this kind of card. My mail box was broken into several times over the last five years and this collections is fraudulent. I have reached out several times to this collections agency to have them delete this from my account and they have yet to do so. This is not my debt and is identity fraud and I want this collections deleted from my credit reports ASAP.

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 2021-09-23 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 have filed a 609 letter and made several calls to the credit bureaus about the fraud that was committed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: GA

Complaint narrative:
There are accounts and personal information that are showing on my credit report that are NOT mine. I've called, sent letters and still no solution to this problem.

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 2021-09-23 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: GA

Complaint narrative:
There are accounts and personal information that are showing on my credit report that are NOT mine. I've called, sent letters and still no solution to this problem.

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 2021-09-23 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: TX

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX I received a wire transfer from a friend from his Wells Fargo account to my wells Fargo account. Shortly after this transfer I was locked out of access to all 3 of my Wells Fargo accounts. I called and spoke to two different people in the fraud department and after 30 min was told I would not have access to my accounts for 10 days. I expressed my outrage at this since it meant that I don't have access to any of the funds in any of my accounts for 10 days. I called my friend that sent the wire and he contacted his Wells Fargo banker who said this sounded wrong and he would fix it immediately. It has not been fixed and I still do not have access to my ( the funds that were in my account before the transfer or the funds in the transfer ) money or my accounts. The fact that a bank can arbitrarily stop me from having access to funds that are legally and properly available to me is unacceptable and I hope regulated by some law.

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 2021-09-23 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: JPMORGAN CHASE & CO.
State: VT

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I reviewed my credit report and saw that there was a collections on my report from LVNV Funding LLC, with the original debt from XXXX  XXXX. This credit card was open by a fraudulent person and was not opened by me. My mail box was broken into and my mail was stolen numerous times. I do not have a XXXX  XXXX Card and I have never had a XXXX  XXXX Card. I have contacted the collections agency and they have not done anything to rectify the situation. This is not my debt and I would like this collections removed from all 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: NE

Complaint narrative:
I have contacted this company in XXXX and XXXX for proof of account. They are reporting a {$100.00} account on all three credit bureaus. I have also contacted my state Attorney General office and they are not legally authorized to collect in the state of Nebraska.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have filed a 609 letter and made several calls to the credit bureaus about the fraud that was committed 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 explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
After reviewing my credit report I found a collections on my report from IC Systems Inc. The original debt that was stated on my report was from XXXX XXXX. I have never had an account with XXXX XXXX. My mailbox was broken into several times over the last 5 years. This account was open fraudulently and I contacted the collections agency several times to delete this from my credit reports. The collections agency has not delete this account yet. This is not my debt and I have never had an XXXX XXXX  account and want this collections deleted ASAP.

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 2021-09-23 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:
There are accounts and other information showing up on my credit report that does NOT belong to me. I've called and sent letters and still no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
My mortgage has transferred from XXXX to PHH Mortgage servicing and they have not recorded my XXXX payment. I tried working this out with both companies and neither of them are understanding and/or resolving the issue. I attempted to make XXXX pmt on XX/XX/2021 before my loan transferred to the new servicer ( PHH ). My bank returned the payment because they froze my account pending updated info required per the patriot act. I thought I had this resolved when I visited a branch, however, they missed additional info regarding my daughter who is on my account & put my account on freeze. I tried to explain this to XXXX prior to transferring the loan to let them know. They did not listen or care. The loan got transferred and the new company is trying to charge me for XXXX because of the returned payment which was supposed to be an XXXX payment. They are not giving me credit for my XXXX payment which I made on XXXX XXXX. 
I need this resolved asap to avoid derogatory info on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST NATIONAL BANK OF OMAHA
State: MO

Complaint narrative:
I contacted the company, first national Bank of Omaha ( fnbo ). I kept getting transferred to departments where I could leave a voice message that was never returned ... departments where the phone rang without answer or rang about 3 times and disconnected. I tried for 5 years at least to get a full statement. My debt was transferred to a debt collector and finally received 2 statements within a short period of time. They were to small to really be legible. These statements were sent based on a voice mail I left. I wrote a letter of insolvency and was immediately sued. To date, I have called this debt collector about 5 times in the last 2 years and there has been return call. I am being bullied and harassed. My mental health is not great and I am suffering over this situation to say the least.

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 2021-09-23 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: LA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and no other third party is involved. I have received results back from the credit reporting agency Transunion and the account came back as verified. I'm demanding to see documentary evidence showing how the account was " verified ''. Show me a copy of the documents used to verify the account. The law requires the credit reporting agency to verify information not the creditor. The verification process can not be done backwards. A representative by the name of XXXX XXXX stated the way they verified the account is through the alleged creditor. Section 609 of the FCRA requires the credit reporting agency to send a copy of the documents used to verify the account and the FCRA states they are required to delete all unverified items. If you donot have documents to verify the account that means you did not verify the account and the account MUST be deleted. Transunion is also in violation of the Fair Debt Collections Practices Act. I have not given direct written consent to report any alleged accounts on my consumer report. To do so means you have infringed upon my consumer right to privacy pursuant 15 usc 1692a. Anyone else sending inaccurate information is being false, deceptive, and misleading pursuant 15 usc 1692e.

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 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
After reviewing my credit report I noticed a collections from Midland Credit Management with the original debt from XXXX XXXX XXXX. This is not my debt. I am currently still with XXXX XXXX XXXX  and have excellent payment history with them. This collection is not mine and is fraudulent. My mail box has been broken into several times over the last five years. I have reached out to the collection agency several times and they still have not deleted this account. I want this account deleted ASAP off of all three of my credit reports because this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I applied with my credit union Pentagon Federal Credit Union to get pre-approved for an auto loan for {$60000.00} on XX/XX/XXXX. I ended up not purchasing the vehicle and never signed a vehicle contract or take delivery of any vehicle. I went to my XXXX XXXXnline account this evening and noticed that there is an auto loan reporting for {$60000.00} on my credit report. I do not own this vehicle nor did I ever sign a contract for this vehicle.

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 2021-09-23 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: ID Analytics, Inc.
State: NJ

Complaint narrative:
I'm a victim of identity theft

Company response to consumer: Closed with explanation