vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
I have had extremely high quotes for auto insurance which led me to obtain the LEXISNEXIS report. This company has been informed that the mailing addresses and incidents filed under my auto record is incorrect. This record continues to reflect false driving record details and the incorrect addresses!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: The Cherrington Firm PLLC
State: UT

Complaint narrative:
On XX/XX/2021, the Cherrington law firm ( XXXX, Utah ) whom represents XXXX XXXX, Utah, served us with a 10- day summons to pay on a year old water bill. I was given no notice, or Shut-Off- Notice, about this bill. My water bill has been current, including past due amounts. I replied to the Cherrington law firm with a certified letter, stating that I was not responsible for the bill and that I wanted " proof '' that I owed this bill, with copies of the Shut-Off Notice or any other information that would show that I owed on this bill. The Cherrington Firm ignored my request. Three weeks later they garnished my wages.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: DC

Complaint narrative:
I sent a letter for verification on XX/XX/2021 for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX per the FCRA 1681. Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts.

I have yet to receive a response to my verification letters. It has been more than 45days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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:
Unverified and unvalidated accounts have been placed on my consumer credit reports in violation of the FDCPA and FCRA. I do not have a relationship and/or signed contract with XXXX XXXX XXXX XXXX I did not give written permission to have my personal and/or medical information furnished to these third party debt collectors.

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 2021-11-02 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: Sequoia Financial Services
State: CA

Complaint narrative:
Unverified and unvalidated accounts have been placed on my consumer credit reports in violation of the FDCPA and FCRA. I do not have a relationship and/or signed contract with Sequoia Financial Services XXXX I did not give written permission to have my personal and/or medical information furnished to these third party debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: NC

Complaint narrative:
According to Discover Card, a authorized electronic consumer credit card transaction was done via online using their digital application/contract in my name XXXX, XXXX. I received several monthly statement requesting payment of account with the alleged debt of {$320.00} and it's due balance which I offered to perform in good faith to settle upon the condition that Discover Card provided me all the necessary proof of evidence pursuant the Fair Debt Collection Practices Act, 15USC 1692g which I listed in requests documents numbered below 1. Debt Collector Disclosure which they did not provide with their letter of response.

2. Affidavit Of Debt Validation which they did not provide with their letter of response.
3. To Cease And Desist which they ignored. Pursuant the Fair Debt Collection Practices Act, 15USC 1692c ( c ) I have given First Discover Card multiple default and opportunity cure the issue at hand by sending all my affidavits certified mail and they have yet to respond to me with the requested information.

An Affidavit unrebutted stands as Truth.

According to, United States v. his, 658 F.2d 526, 536 ( 7th Cir. 1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 1982 ] Allegations in Affidavit in support of motion must be considered as True in absence of counter-
affidavit ''. [ Group v Finletter,108 F. Supp. 327 Federal case of Group v Finleter, 108 F. Supp. 327 ] An affidavit uncontested unrequited unanswered, Morris v National Cash Register, 44 S.W. 2d 433 Morris v National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''. 

I have also provided Discover Card several exhibits disclosing all their violations of my consumer rights pursuant the FDCPA, FCRA and I also provided them with a detailed invoice. 15 U.S. Code 1692k ( A-A -E ) - Civil liability Also requested Discover Card to provide GAAP , Generally Accepted Accounting Principles is the accounting standard adopted by the U.S. Securities and Exchange Commission .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I sent a validation letter to this company and they have yet to respond it has been more than 30 days.

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: CITIBANK, N.A.
State: DC

Complaint narrative:
I sent a validation letter to this company and they have yet to respond it has been more than 30 days. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified 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 2021-11-02 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: OneMain Finance Corporation
State: KY

Complaint narrative:
OneMain Financial XXXX, XXXX, XXXX... this company have done countless disputes some where answered and some they never even investigated. They have wrong information reporting for the last 5 years. They said it is accuracy and verified never investigated none of my complains. I only had one loan open at a time. And they made accounts that where good mixed them bad payments and on the other accounts that i opened with them they reported different information on accounts that's already closed. They refused to help me in this matter. XXXX deleted the whole accounts and then Onemain reported new information after 5years of disputing XXXX near. I wanted the accounts 100percent perfect payments. Its destroyed my credit and I cant even get a loan because of these people not doing there job. One lady at One Main threated me and said the people that was helping me are amatures that she will make all of it bad or change the information to bad. They have dilibratly try to keep me i n the web of subprime and the world of bad credit. Please investigate!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
My debit card was compromised and I reached out to Regions bank to cancel the card and send a new. Once the new card arrived, I activated and locked it. While the debit card is locked, unauthorized charges are going through on my account. Each transaction, be it big or small, Regions charged me {$36.00}. So within a short period of time, Ive amassed close to {$200.00} in OD fees. I reached out to Regions to see if I could get some of the fees waived because its extremely expensive and everyone is having a hard time amidst this global pandemic. These transactions were unauthorized and regions is refusing to waive any of the fees.

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 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
I requested a payoff ( XXXX of XXXX ) before my house went on the market ; the closing date was XXXX XXXX. The closing attorneys have requested the payoff the XXXX, XXXX, XXXX, XXXX, and XXXX. I also requested it again to be sent to the attorneys on the XXXX and XXXX of XXXX. Each time we were told it takes 3-5 business days to send a fax. The phone prompt says 1 business. Today the attorneys were told it would be sent by the end of the day yet I was told it was sent. I asked to speak with a supervisor and was told it would take 3 days before a supervisor would call me back, it was not immediate. As off the close of business today, XXXX XX/XX/2021 the payoff still has not been sent. Please help me not only to get the payoff but restitution of lost funds because of the delay.

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 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I recieved a debit card and also 2 sets of checks from TD Bank for accounts I never opened. I don't have any accounts with TD Bank! I notified TD Bank and they said the accounts were closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I currently have a home mortgage and a HELOC with TD Bank. I have been trying to refinance my mortgage since XX/XX/2021 ( 8 months ago ). I received approval from XXXX, my new mortgage lender, over 6 months ago. Since then, they've been trying to pay off the loan and subordinate the HELOC so that I can get a better rate. TD Bank has been completely unresponsive, taking weeks to months to reply to their requests, and by the time they do, my documents expire and I need to resubmit them, at which time the process starts all over again. This has happened multiple times now. 

I finally got fed up and called TD Bank on XX/XX/XXXX. I spoke to a supervisor named XXXX XXXX who told me that there was nothing he could do, since the subordination department " doesn't have phones '' and that there's nobody that he could call to figure out why this is taking so long. After a long back-and-forth about how waiting this long and being forced to submit documents multiple times is unacceptable, he promised to call me back in 48 hours with a solution. He never called me back. My refi team at XXXX is telling me that TD Bank always takes longer than every other bank to let go of mortgages, but they have never had a problem like this. 

Currently, I am still waiting because my team at XXXX is telling me that TD Bank is now demanding additional documents and refusing to move forward. It has now been 8 months since I've started the refi process, and 5 months after all was approved from XXXX 's side.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: IL

Complaint narrative:
They are unable to verify my account and won't let me talk to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CITIZENS FINANCIAL GROUP, INC.
State: IN

Complaint narrative:
This company has blatantly violated my consumer rights and has not responded in 40 days. On XX/XX/XXXX my vehicle was stolen while I was out to eat with my family by a unauthorized third party that was not a witness to the contract and had no legal ties to the vehicle. The company contracted a company to perform a skip trace on me which was not in the contract and I didn't consent to. I was behind on payments due to the pandemic and was getting the money to pay. I had the vehicle since XXXX and never had the vehicle taken before. After my vehicle was taken I called the company to see how much I had to pay and where my vehicle was so that I could retrieve my belongings. I was denied this information unless I agreed to pay a ballooned payment that included extra fees which made the amount jump from {$1400.00} to {$2900.00}. When I came up with the money to pay I was told that I would also have to pay storage fees to the tow company. The car had already been there for 20 days and I couldn't pay that as well so no information was given to me. I was never given the name of the 2 unauthorized parties ( collection company and tow company ) until after the vehicle was already sold at auction. From the moment the vehicle was taken I have received no notice of repossession which I required by law. Also I never received any notice of resale of the vehicle which is required by law. I have received no information as it pertains to how much the vehicle sold for or a remaining balance, but it reflects on my consumer report. I notified the chairman 's office multiple times about these violations and no response has been given. Also I have still yet to receive any of the before mentioned documents even after I notified them. This company is also in violation of many consumer rights defined in the FDCPA and FCRA which I will attach in a separate document. This company does not care that they violate a consumers rights and will not give a timely response for something they know they failed to comply with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: TX

Complaint narrative:
These accounts do not belong to me, please remove under 15 USC 1681c-2.

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 2021-11-02 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: TX

Complaint narrative:
In XXXX of XXXX, I authorized a charge on my credit card with Citibank for the first part of a move from XXXX, XXXX to XXXX, XXXX for a third party. When the move was completed, the third party disputed the remainder of his payment due to a breach of contract with the moving company, XXXX XXXX XXXX. Since they did not fulfill/complete their contract as agreed, the third party was not going to remit payment. However, since I had authorized the initial payment, XXXX XXXX XXXX requested payment from Citibank for the final payment and though I disputed it before they released the funding, Citibank paid XXXX XXXX XXXX {$4700.00} from my account and I have been making payments since then. I have disputed the charges and submitted my reasoning to no avail. Citibank has also been charging me monthly interest on this debt that is not mine. 
When " investigating '' my dispute, Citibank allowed XXXX XXXX XXXX to provide a contract between them and the third party as proof of my obligation to pay. However, my name is not on the contract anywhere. Instead of negotiating with the third party, XXXX XXXX XXXX stole the money from my account and Citibank gave the money to them without my consent. I have been paying more than a year on a debt that is not mine in order to keep my credit from being destroyed. 

XXXX XXXX XXXX did not fulfill their contract with the third party and charged me when it was not my contract, not my debt, instead of negotiating with the individual with whom they had the contract. I only offered my credit card initially because the third party did not have one and only had cash. 

Citibank knew before they ever stole the payment that I disputed the charge and it was not my debt. I have contacted them on numerous occasions and they have ignored my attempts to be reimbursed and have the charge and all interest returned to me. 

When I made phone calls and attempted to contact the card company through the chat option, I was left on hold, given false phone numbers and told that once a company has my credit card information, they can charge me any time they like and there is absolutely nothing I can do about it, except cancel the card. 

I feel like this is not only dishonest, but it is theft and I want to know what recourse I have. I also feel, after the way I was handled, that this is common practice for Citibank. How many other people have been stolen from in this manner? And they are receiving interest on top of it! 

I have screen shots of chats on the Citibank site, as well as written documentation of letters I have sent to them in XX/XX/XXXX and XX/XX/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 2021-11-02 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: MD

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : reason I never received a response from the credit bureuas XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation