vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
Hello, I am contacting you in regards to the debt collection agency Caine & Weiner. I advised them that I don't owe a debt they keep insisting that I owe a debt. After, I advised them of a dispute I had with XXXX XXXX XXXX. I also, advised the collection agency that this alleged debt was supposed to be closed via XXXX XXXX XXXX.They remove the debt for a month. Then put it back our for their reporting purposes or financial reporting purposes. They keep taking off the debt and then re adding the debt at the middle or end of the month. I spoke with a manager and tried to resolve this several times. They are reporting incorrect information and inaccurate information in regards to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I applied for a personal loan with XXXX XXXX XXXX, in XXXX, Georgia in XX/XX/2020 and they have failed to report complete and accurate information concerning my loan to all THREE major credit bureaus such as XXXX, Transunion and XXXX. The loan is for {$2500.00} and the current balance is {$1600.00}.

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 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I applied for a personal loan with XXXX XXXX XXXX, in XXXX, Georgia in XX/XX/2020 and they have failed to report complete and accurate information concerning my loan to all THREE major credit bureaus such as Equifax, XXXX  and XXXX. The loan is for {$2500.00} and the current balance is {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hello, Ive been trying to gain access to my XXXX  and Transunion personal accounts online and it keeps telling me that my login information isnt correct meaning someone else has gained access to them and changed my contact information. After trying to reach these two credit reporting agencies for several weeks and verifying my identity and information, they never gave me access to my online 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 2021-02-18 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: CITIBANK, N.A.
State: FL

Complaint narrative:
In reference to my previous complaint # XXXX. Citibank stated in their letter of XX/XX/XXXX that the {$3000.00} credit would become permanent after XX/XX/XXXX. I have contacted the credit card many times in the last week and was unable to have that money credited to my checking account. I was able to get the previous credit that was permanent transferred to my checking account but not the {$3000.00} Thanks again for all your help. It has been over a year! 
Regards, 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 2021-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I have a predatory loan with Santander. I was informed in XX/XX/2020 that I am a part of the Santander settlement lawsuit. I was granted an extension due to the fact that my loan is a large payment with significant fees in XX/XX/2020 but the payments are scheduled to resume. 

I reached out to Santander in XX/XX/2020 because no one had notified me yet regarding the Santander lawsuit. I was told that it is " a process ''. I expressed my understanding and requested a permanent forbearance until I was notified of my portion of the settlement. I explained that I am struggling to live due to the pandemic and I am concerned that my file shows a significant violation of my rights. Until I know that I am not entitled to the title to the vehicle and loan forgiveness, I requested payments to cease. I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: Credit Control, LLC
State: AZ

Complaint narrative:
Good evening, I recently paid a collection account in full on XX/XX/21. I proceeded to submit a dispute with all 3 bureaus to have the collection account removed from my credit report or my report updated to reflect showing paid in full. I received notification from XXXX  on XX/XX/21 indicating that my dispute yielded updated information, however the dispute did not accomplish my goal. That updated information indicated that as of XX/XX/21, my account was past due for the full balance remaining of {$1200.00} and remains an open collection. I want to file formal FCRA violation complaints against XXXX XXXX XXXX and Credit Control LLC. The former is the collection agency showing on my credit report and the latter is the company that is showing on my bank statement as receiving my payment. I have never entered into ANY contractual agreement with either company and a web search of both companies shows that they are separate entities with separate addresses, yet I dialed a single phone number to a single company ( XXXX XXXX XXXX. ). Please research my claim and inform these companies of their formal FCRA violation. There should be no reason why a debtor pays a debt in full yet the creditor reports false and/or inaccurate information to the credit bureaus after the debt has been paid in full.

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 2021-02-18 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: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
FIFTH THIRD BANK is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX  consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b.

I have not initiated any transaction with FIFTH THIRD BANK. Further, I do note have an account as defined under 15 U.S.C. 1693a ( 2 ) with FIFTH THIRD BANK for review or collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: NJ

Complaint narrative:
I chose better.com over my current lender for refinancing because I was sold this average closing in 20-30 days and me and my team will be with you throughout the whole process and of course they were able to beat closing cost by about {$650.00} dollars over my current lender. I started the process on XXXX. 
Anyways, fast forward 14 days on XXXX and things are starting go south little by little in these 14 days. They couldnt fathom that I work for a company whose headquarter is in another state. They didnt even bother to look at W2 submitted to see my home state ( where my property is ) taxes were taken. 
They also probably have some of the worst underwriting requirements that makes it impossible to acquire a loan for someone with excellent credit, 37 % LTV, excellent assets, and income requirement as their practice of evaluation is not fair to say the least. I almost lost my appraisal fees until I threatened them with CFPB complaint and thankfully, I was able to go back to my current lender but in 15 days, the interest rate now is now XXXX % higher. 
Oh, to top it off, I never even got a call/email back from the loan officer that sold me the bill of goods that they couldnt deliver. None of their employees I dealt with seem to care, they are just collecting paychecks. Avoid them at all cost if you want to actual close on a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Balance Transfer were sold to me as 0 % interest for 12 months. Bank of America did not honor this and started charging me interest at 19.99 % immediately. This is textbook " Bait and Switch '' which is illegal.

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 2021-02-18 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: Exeter Finance, LLC.
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, EXETER FINANCE CORP add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On or around XX/XX/2020 I applied for a mortgage refinance with PenFed Credit union. I paid a {$500.00} appraisal fee. PenFed approved my loan, but was not able to close my loan ( through no fault of mine ) within 5-6 months. My credit report expired as well as all my documentation and then PenFed asked me to pay a {$5500.00} re-lock fee because they did not have the staff to close the loan within 90 days. I am seeking a refund of my appraisal so I can pursue a refinance with another institution.

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 2021-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I have been contacted by CMRE three times about a debt I know nothing about. I have asked them not to contact me in this regard and my request has not been honored. I have never been a patient at XXXX XXXX. I went on XXXX  and that hospital is about 3 hours away from me going one way. I have never been contacted my XXXX  about the unknown debt but all of a sudden I am constantly being harassed by CMRE. I will be filing a complaint with the FTC and the AG office. I want them to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: CORELOGIC INC
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX/XXXX  XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, CREDCO add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents
authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-02-18 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, AMERICREDIT add a hard inquiry on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA

Complaint narrative:
This is the 3rd time this situation has come up with this company. 

I received letters via regular mail. The latest one is dated XX/XX/2021. It is a bill for {$2500.00}, which states that it includes an overdue payment from XX/XX/XXXX for {$1200.00}. First -- why would I get an overdue notice for 4 days past the XX/XX/XXXX? I paid the mortgage on the XX/XX/XXXX and have an email from the company dated XX/XX/XXXX, that states my payment of {$1200.00} was received! I had actually paid it on the XX/XX/XXXX. Apparently payments take a few days to record on their end. 

I am not late making my payment, nor have I EVER been.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Early 2020 I went to a BMO location to meet with a banker. The banker saw I had a 14 year old account that they inherited when they bought out XXXX & XXXX XXXX. He suggested that he change the account type to have better benefits, etc. My previous account was free. However this new account type started charging me $ XXXX/month. This being an old account that I don't use much, I didn't notice for about a year. I notified them that this was not right and they agreed it should not have happened. Not only that, but they said they stopped any charges to any accounts starting XX/XX/2020 due to COVID. They would only refund 3 months worth though even after admitting fault.

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 2021-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I purchased flooring from XXXX on XX/XX/XXXX. I signed a contract that stated my original total was {$6400.00} but I only had to pay {$5600.00} due to a discount approved by market. I made two deposits on XX/XX/XXXX ( {$580.00} and {$2200.00} ) totaling {$2800.00}. In the special instructions section on page 2 of 14 it stated that I owed {$2800.00} C.O.D. I had two different installation dates. On XX/XX/XXXX I paid {$1700.00}. On XX/XX/XXXX the customer service representative took my payment over the telephone for {$1300.00}. The next day I got a call stating that they had overcharged me and they were going to fix it and my payment of {$1300.00} would not be processed. Then the day after that I got a call stating that I owe {$1200.00} more. After several calls with an unknown representative I asked for a supervisor. XXXX XXXX called me. XXXX XXXX General Office Associate XXXX. Ms. XXXX stated that I owed {$1200.00} more over the telephone and in an email. I explained to her about the call I received as well as everything else and asked her to send me an itemized bill. Ms. XXXX then sent me an email saying I owed {$1300.00} more, she sent me a bill stating that my total order was {$4000.00} my deposit was {$2200.00} with an allowance ( discount ) of {$470.00} and I owed {$1300.00}. However, the original sales receipt stated my original total was {$6400.00} but I was being charged {$5600.00} which is a {$770.00} discount not {$470.00}. Ms. XXXX also sent an attachment showing my total was {$4000.00} with a deposit of {$2200.00}, discount of {$470.00} and balance of {$1300.00}. I informed Ms. XXXX according to the original call I received and the email that she sent me with an attachment mirroring what was she typed, I had over paid by {$390.00}. I also told her that one of my deposits made on XX/XX/XXXX for {$580.00} was not reflecting her itemized bill. Ms. XXXX never addressed that. After several calls and letters mailed to me Ms. XXXX and I couldnt come to an agreement. XXXX XXXX wanted me to send her my credit card statement but with everything that transpired I did not feel comfortable sharing my personal information with anyone at XXXX. On or around XX/XX/XXXX, I received a collection notice for {$1300.00}. This have been a living nightmare and nobody seems to care and now my credit is being jeopardized. Im not sure what my salesman or any other of the workers did with my order.

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 2021-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: MRS BPO, LLC
State: CA

Complaint narrative:
I was a victim of Identity theft. I have received several collection notices from MRS BPO LLC in regards to an unknown account to XXXX. I have advised them that I have no knowledge of the account and supplied them a copy of the police report. To date, I am constantly being harassed by them. I hadnt heard from them for several months and assumed that was because they ascertained the matter and learned the account was not originated by me ... .. now they have started to call again and send me notices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation