vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Thank you Consumer Finance.gov for addressing my concerns with CITIBANK On XX/XX/XXXX I XXXX XXXX XXXX XXXX was informed by Citibank via an upload on consumer finance that : " On XX/XX/XXXX, we will debit your account for the {$89.00} provisional credit we issued while we investigated your dispute. For the next five business days, we will continue paying checks and pre-authorized debits on your account up to the amount of the provisional credit '' Please note that my Citibank Account ending in # XXXX was never credited the incidental amount from the XXXX. Thus, Citibank completed the investigation without issuing the reimbursement from the XXXX  incidental in the amount of {$89.00}. 
On the other hand, the issue with the scam or false impersonation of the XXXX XXXX and XXXX continues, these con-artists were reported to the Federal Bureau of Investigation in XXXX, when they hacked into XXXXXXXX XXXX. XXXX and XXXX XXXX claim to work for Citibank from XXXX, XXXX. XXXX XXXX and XXXX request personal and card number, social security, maiden name, security code on card to 'answer or provide information ' to the consumer. 
I contacted CITIBANK on XXXX via private phone number XXXX Please address and review the following information : XXXX PM XXXX XXXX On call with CITIBANK, placed on hold -- XXXXvia private line XXXX XXXX XXXX picked up the line for CITIBANK stating she was a XXXX XXXX ! From XXXX ( XXXX as in XXXX XXXX as in XXXX XXXX as in XXXX XXXX XXXX XXXX and XXXX as in XXXX  ) from the XXXX. 
I XXXX XXXX XXXX XXXX 1 stated : " XXXX XXXX is on the line! '' XXXX XXXX stated " Correct! '' Screaming could be heard stating " XXXX XXXX is not CORRECT! Burning CITIBANK! '' XXXX XXXX XXXX picked up the phone line for CITIBANK again falsely impersonating a worker. 
XXXX PM A XXXX XXXX ( false impersonation ) provided the SAME ID as XXXX XXXX impersonating a XXXX XXXX. 
XXXX USA False Impersonation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX stated that their supervisors in the XXXX  were ( XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX was impersonating XXXX. 
One could hear XXXX XXXX in the back of the CALL, with another CITIBANK customer arguing with her telling her to get off her phone. 
I XXXX XXXX XXXX 1 explained to CITIBANK representative that XXXX XXXX is NOT authorized to work in the United States ; XXXX impersonating XXXX XXXX -- - CITIBANK ID provided : XXXX They claim to be in XXXX, XXXX ; XXXX PM XXXX XXXX XXXX XXXX interrupted my private phone line XXXX once again to state that " To Russians -- -I am the XXXX! '' Please note that XXXX XXXX IS a Reported STALKER-NOT RELATED/CRIMINAL ACTIVITY -- - XXXX XXXX XXXX 1 XXXX XXXX XXXX XXXX XXXX do expect for these false impersonators to be apprehended. 
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 2021-12-19 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: PA

Complaint narrative:
To whom it may concern, Under 15 U.S code 1618B - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX XXXX XXXX never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXl XXXX XX/XX/XXXXXXXX XXXX  Report Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
XX/XX/XXXX I began the process of refinancing my mortgage. The payoff statement came back stating that I owed {$15000.00} in addition to the unpaid prinicipale balance of XXXX for a total of XXXX. 

In XX/XX/XXXX, because my mortgage was under water and payment too high, I entereed into a Shared Mortgage Modification with XXXX XXXX XXXX, my understanding was that the deferred amount would not have to be repaid and was not subject to interest if mortgage was paid on time. [ Please see Loan Modification Agreement page 2 section 2 B, C, D. ] My concern is that if this amount is/was forgiven, why am I obligated to pay it back? I have met all requirements and have never been late paying my mortgage. 

I am asking for assistanace in clarifycation and being reimbursed the {$15000.00} from Select Portfolio Servicing the company that now services the loan and made the determination that I owe the additional funds of {$15000.00}. 

Inaddition, On XX/XX/XXXX I requested an explination of why I had to pay the additional funds, in XXXX a comment was placed on my credit profile which dropped my XXXX XXXX XXXX points. The statement said " I disputed the information '' which is not true, I simply asked for an explination of why I had to pay the additional funds and the inquiry was closed. I am refinancing and leaving this company and need to have this information removed from my credit file. 

I signed closing documents on XXXX XXXX, XXXX and funds will be dispersed to SPS on XXXX XXXX, XXXX. 

I am not sure who the actual holder of the mortgage is, at one time I it was XXXX and now it is sposed to be XXXX XXXX. I was unable to obtain additional information such as account number etc. 

Please help me to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I bought a XXXX XXXX Truck at XXXX XXXX of XXXX. The manager raise my salary for get more money and put fees almost over XXXX of the price. On XX/XX/2021 we have a meeting and he told me the price was to high because I bought extra protection and the fee in all of XXXX dealer is {$5000.00} for the shortest of vehicles ; but he put two times taxes and processing fees. The price of my car is over XXXX with the products of proteccin I bought. I cancel almost all proteccin products only keep the gap insurance ( {$990.00} ) and wait for the refund money. I need help to have my money back. Is not nice he do this only because I am old XXXX woman.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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: TX

Complaint narrative:
Experian keeps lowering my credit then increasing it and they lowering and they keep sending me credit card offers everyday I contact them and told them to stop emailing me about credit card offers and stop offering credit card offers on my credit report and they still refuse to do so. I over XXXX credit card offers from Experian. Whenever I dispute a debt collector to Experian they refuse to help me. Experian is the reason why my XXXX XXXX is awful. Experian needs to be investigated.

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 2021-12-19 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: GA

Complaint narrative:
On XX/XX/2021, I sent in a dispute to XXXX XXXX XXXX regarding a collection that was placed on my report. I asked for the original contract stating where I signed with my signature proving that they owe the debt they say I owe. Instead of sending me back what I asked for, they sent me a statement instead. I requested for validation not verification. Furthermore, when reading the letter- I came across multiple violations that this company has endured. 

1. They have listed the interest due and balance due. Under 15 USC 1692 F ( 1 ) states ( 1 ) it is a violation to collect any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

2. Furthermore, under 15 USC 1692 F it states that it is a violation to state the consumer owes any such debt. In the letter that was sent, it reads, " this communication from a debt collector is an attempt to collect a debt, and any information obtained will be used for that purpose. '' 3. In addition to, they have also included a logo/letterhead which according to 15 USC 1692 B ( 5 ) is a violation as well. ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; This is more than one violation that has occurred. I am seeking litigation if this account is not removed. 

ACCOUNT NUMBER :

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 2021-12-19 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My vehicle broke down while traveling out of state I had it towed to the XXXX dealership During the repair process they did some repairs that were unauthorized claiming these were recalls when I came to retrieve my vehicle I noticed that one of the parts they installed looked broken damaged or used along with several other problems that the dealer caused during repairs I contacted XXXX customer care and the credit card company after I try to resolve it with the dealership ram customer care instructed me to take the vehicle to another dealership for a second opinion they concluded that the repairs that were made by the original dealer were faulty and this was a workmanship issue not a warranty issue i had to pay to fix what the other dealer damaged I supplied the cc company with this letter and all paperwork they opened the dispute but after several days they replied that services were rendered and I had to pay the bill Im not denying that they provided services Im disputing the shady parts they installed and the quality of craftsmanship or workmanship they did causing damage to my vehicle requiring me to pay someone else to fix their lousy work I believe I should not have to pay them because they damaged my vehicle the cc company requested a letter from XXXX XXXX saying that if I didnt provide the letter they couldnt move forward with dispute because service was rendered after I provided them with the letter from a supervisor at XXXX they denied my dispute still saying service was rendered

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2021-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
On XX/XX/2021 I became aware of Radius Global Solution reporting on an alleged debt. I never contracted with Radius Global Solution I am unaware of how Radius Global Solution obtained my personal information to report such alleged debt. This fraudulent reporting is defamation, identity theft, and unfair deceptive collection practices in the state of PA. Debt collection agencies and creditors may only get location information thru communication not to reveal a debt is owed. Unfair or deceptive collection methods. It is unlawful for a collector to collect any amount, including any interest, fee, charge or expense incidental to the principal obligation, unless such amount is expressly provided in the agreement creating the debt or is permitted by law. Communication. The conveying of information regarding a debt directly or indirectly to any person through any medium. Radius Global Solution is not authorized to communicate and i have not given any written consent to this account. Radius Global Solutions is in direct violation of the FCEUA, FDCPA, FCRA, and Aggravated Identity theft 18USC1028a.

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 2021-12-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Deutsche Bank
State: FL

Complaint narrative:
In response to complaint no. XXXX. The Consumer Financial Protection Bureau has communicated that Deutsche Bank has implied " the complaint does not belong to them ''. See attached XXXX XXXX naming Deutshe Bank, but most importantly see COMPLAINT naming Deutsche Bank. If you carefully review the complaint filed on XX/XX/XXXX, you'll find that the loan modification naming XXXX was unrecorded. See also recorded copy dated XX/XX/XXXX. If you can read XXXX than you know the complaint NAMES DEUTSCHE BANK AS THE MOVING PARTY IN THE FORECLOSURE ACTION. DID WE MISS ANYTHING HERE CONSUMER FINANCIAL PROTECTION? DID WE? Deutsche Bank now wants to minimize their involvement on this case because a complaint has been filed with the XXXX XXXX OF XXXX FLORIDA IN CONNECTION WITH PUBLIC CORRUPTION. DEUTSCHE BANK LEGAL COUNSEL ILLEGALLY RECORDED THE INSTRUMENT. BANKS LEGAL TEAM ENGAGED IN PUBLIC CORRUPTION WITH THE XXXX XXXX XXXX The bank has been evading the taxes due on Intangible instruments. See loan modification dated XX/XX/XXXX, the lender did not pay the imposed taxes by the state until XX/XX/XXXX. That's tax evasion. You paid the taxes on XX/XX/XXXX because our legal counsel made the court aware on XX/XX/XXXX, when we moved for summary judgment against you, otherwise it would have never been paid!!!! ( 9 years passed!!! ) Your legal counsel became disparate and illegal filed the instrument. XXXX XXXX XXXX office will not accept copies of mortgage but original and reflecting original notarization. The instrument was even notarized yet it was filed. Your legal counsel caused to pay someone at the XXXX recorders office to have recorded the instrument illegally. Please know that the matter is being investigated by the DOJ because the issue falls under public corruption. You and your fraudulent legal counsel should know that in the UNITED STATES OF AMERICA the only thing for sure " DEATH AND TAXES ''. No one in our Country can evade taxes & engaged in public corruption, then tell the court we have standing. You are full of XXXX Deutsche Bank and everyone in your organization. The treasury and multiple agencies are reviewing multiple complaints against you for public corruption.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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: T.S. Holdings
State: GA

Complaint narrative:
On XX/XX/2021, I sent in a dispute to IQ Data International regarding a collection that was placed on my report. I asked for the original contract stating where I signed with my signature proving that they owe the debt they say I owe. Instead of sending me back what I asked for, they sent me a statement instead. I requested for validation not verification. Furthermore, when reading the letter- I came across multiple violations that this company has endured. 

1. They have listed the interest due and balance due. Under 15 USC 1692 F ( 1 ) states ( 1 ) it is a violation to collect any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

2. Furthermore, under 15 USC 1692 F it states that it is a violation to state the consumer owes any such debt. In the letter that was sent, it reads, " this communication from a debt collector is an attempt to collect a debt, and any information obtained will be used for that purpose. '' 3. In addition to, they have also included a logo/letterhead which according to 15 USC 1692 B ( 5 ) is a violation as well. ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; This is more than one violation that has occurred. I am seeking litigation if this account is not removed. 

ACCOUNT NUMBER :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
My Account at Gemini has been frozen & Deactivated since XX/XX/XXXX. Ive sent their requested items a picture of a copy of my drivers license along with a hand written note with requested current date which was XX/XX/XXXX along with a requested XXXX underneath the date & a selfie photo of myself. I converted the file to Jpeg & sent it to them on the XX/XX/XXXX on their file upload & then respond to their email that I I've sent their requested information & asking them to please unblock my account. No one has since contacted me & my account is still locked out. I'm Unable to make any transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I sent correspondence to Frost Bank 's corporate office on XX/XX/2021 and then again on XX/XX/2021 when my letter from XXXX was never responded to. In the letters ( attached ) I submitted a very detailed and important merchant dispute totaling {$6800.00}. I called repeatedly to check on the status of my correspondence and the Frost Customer Service people would tell me they do not see a letter received but I need to give that department 90 days to process. I continued to follow up and went to a branch in XXXX in XXXX TX and spoke with a representative named XXXX and she told me no letter was ever received and the amount of time to dispute has now past. I sent a letter to the CEO of Frost Bank about the situation and they referred it to a XXXX XXXX. She advised me they located my letters but they were never logged or processed and they can use this as a training tool to keep it from happening again. However, Frost has not reimbursed me for their processing error. In good faith I have entrusted Frost to handle my financial transactions and they need to be responsible for financial correspondence that come to them or be liable for their errors. I need Frost to reimburse me immediately the {$6800.00} in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed a copy of my Experian credit report, and I noticed some late payments posted on my credit report : XXXX XXXX Bank XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX Bank XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX Bank XXXX XXXX ; XX/XX/XXXX. Experian is in clear violation of the law ; 15 USC 1681b- Permissible purpose of consumer reports. I did not give Experian written permission to furnish this account on my credit report. Experian is also in violation of 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report. Late payments must be excluded from a credit report. Before this account was furnished to my consumer report, an investigation should have been done which wouldve shown that these late payments should have never been reflected to my consumer report, which is identity theft. Experian has received all documents and supporting evidence of this dispute through the mail on 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