vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc.
State: VA

Complaint narrative:
I keep getting harassed by a company called Associated Credit Services accusing me of owning a debt I don't owe. I have told them multiple times they are barking up tree but they will not listen They are incredibly rude and condensing on the phone and when I ask for proof and paper work proving this debt than can't provide The worst/most fishy part is they refuse to speak any details of the " Business matter '' -- -- -I 'm not a business and as a retired vet i don't do " Business '' -- -wiith me providing all kinds of PII ( Personally Identifiable information ). 

But nope, they just keep calling. without being able to even provide evidence of this debt I spent the last 5 years recovering from severe  XXXX from XXXX and have been living a semi-normal life for the first time in a long time. These non-stop calls and attitude have triggered multiple panic attacks in me. I have not had a XXXX XXXX in over a year and a half until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: CITIBANK, N.A.
State: MN

Complaint narrative:
On XX/XX/2021, I was charged {$270.00} from XXXX XXXX to my Citibank issued credit card. I immediately contacted Citi on or near the XXXX as soon as the transaction posted to report this as fraud. I spoke to an offshore rep on this date who marked the transaction as fraudulent, closed the account number and requested a new card be sent to my address. 

I received and activated the new card without any issues. On XX/XX/XXXX, I received a letter via regular mail from Citibank advising me that they had attempted to obtain information from me regarding this charge, and did not receive a response and that I was liable for the fraudulent charges. This is where a very frustrating loop of phone calls with Citibank began. 

I immediately contacted them inquiring in regards to the letter. They advised me that they tried to call me ( I received no calls ) and that my phone number was disconnected. It is not, it is the same number on file with my account. I spent nearly an hour on the phone with Citibank and was sent multiple times from representative to representative. Yes, I have done business with XXXX before, but not on this card. No, I do not know the passenger who attempted to purchase an airline ticket. After nearly an hour, I was finally transferred to a representative in the United States. She apologized, informed me of the process, and the call disconnected. 

I spent another hour on the phone on XX/XX/XXXX attempting to resolve this fraudulent charge. After another frustrating round of questions with a hard to understand agent, I requested to close my account. After a decade of no issues and millions of dollars in charges to my account I have closed my account because of this frustrating experience. 

To date, I have not resolved the charges on my now closed account. I am requesting assistance in once and for all removing these charges and closing my account permanently.

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 2021-05-27 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: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, Georgia XXXX I.C. System XXXX. XXXX XXXX XXXX XXXX, MN XXXX I am writing in response to collection, XXXX. # XXXX, XXXX  XXXX XXXX XXXX, in the amount of : 1. {$1400.00} 2. {$85.00} 3. {$930.00} I.C SYSYTEM, nor XXXX  XXXX XXXX XXXX, have produced a contractual agreement upon which I entered and agreed to establish a relationship. 

I am victim of identity theft and would like I.C. System to provide proper validation, above verification, of any relationship established. I am exhausting all efforts to quiet this claim, and aware of legal remedies, that could be costly, to have I.C. System, Inc., prove in a court of law that this debt is valid. I.C. SYSTEM, INC. continues to harm my credit file with negative reporting and not properly validating alleged claims and shall remove this immediately! 

If I do not receive proper validation within 45 days or less, you are obligated to have this negative reporting removed from my credit file permanently. This letter is in accordance with FDCPA, 15 U.S. Code 1692g. ; FCRA, 15 U.S.C. 1681-1681x. 


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 explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanFlight Lending, LLC
State: CA

Complaint narrative:
I applied for a refinance loan for my residence ( a house ) with Loanflight Lending LLC of XXXX, FL. ( NMLS XXXX ). The terms stated on the initial loan estimate of XX/XX/XXXX states 2.875 % interest for 30 years, 0 points. On XX/XX/XXXX they sent me an updated closing disclosure. It shows an increase in closing costs but the terms were unchanged. Significantly, it shows 0 points. On XX/XX/XXXX XXXX XXXX from Loanflight called me to inform me that my rate lock expired but that they were going to extend it. He did not mention the addition of any loan origination charge. After the final condition was apparently withdrawn ( several conditions that did not have any bearing on my ability to pay back the loan were apparently withdrawn - more on this later ), I was sent what should have been the final closing disclosure on XX/XX/XXXX. In it Loanflight had sneaked in a .63 % loan origination fee which was not in the previous disclosure nor mentioned to me previously in any form of communication. In my case the .63 % amounts to {$1700.00}. I guess they just hoped I would sign without noticing it? Also, the APR is missing from this disclosure even though it appears in the previous disclosures. 

In his email of XX/XX/XXXX, the loan officer, XXXX XXXX ( NMLS # XXXX ) explained that this fee was tacked on because the rate locked expired. But the rate locked expired because they had placed two conditions on the loan that I could not satisfy ; 1 ) Provide proof of homeowner 's insurance on an unrelated condominium that I own, and 2 ) have a judgement, by a child support agency, removed that ensures that I continue to pay {$120.00} in monthly child support until XXXX. With regards to the first condition, my condo is not being used as collateral for the loan and the lender on that mortgage does not even require homeowner 's insurance. With regards to the second condition, it's not even possible to clear a child support judgement until the child support payments are completed. They don't seem to know this. Btw, I voluntarily requested my payments be automatically deducted from my paychecks until my obligation ends in XXXX, XXXX. Apparently, both conditions have been withdrawn ( maybe because they are irrelevant? ). But trying to meet these conditions caused the loan closing to be delayed and the rate lock to expire. 

They didn't get away with this because my loan app is for a refi and I could walk away from it. But I wonder how many home buyers were forced to accept this trick in order to close escrow on time. I know this is unethical but you decide whether it's illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: Google Compare Credit Cards Inc.
State: GA

Complaint narrative:
Attached is the representment from google to XXXX requesting dispute reversal. 

The representment provided by google also indicated on the Case Summary, that I checked marked that " Authentication '' is required for each and every digital content purchases, which google failed to follow and allowed those unauthorised and unauthenticated charges to go through. These were not reoccuring subsrcription, because there were none.

I did not authorize those charges that didn't have my password.

Google authorised those charges without my permission, thereby putting me in a financial hardship.

For the fact that I requested for password to be entered for every digital purchase, and google allowed the purchases without password verification against my request, I am not liable for those unauthorised charges and based on the compelling evidence provided by google that comfirmed what I have been crying all along that I never entered my password to authorised those purchases as I had indicated when I stored my credit card on my google account, I am requesting refunds to every unathorised and unauthenticated purchases. 

The purchases that have Password verified, I authorised. 

The purchases that have " User Opted out of Password '', Google authorised, and therefore Google should bear the burden and consequences for allowing such without my permision.

I do not wish for this to happen to any consumer, ever again.

Companies are bound to honor consumers request when indicated.

On No circumstances should google should have allowed those unauthorized purchases without my permission.

The Representment from google did infact show that Purchases that I authorized have password verified, and Purchases that I did not authorize have " User Opted out of Password Challenge Password '', which was never supposed to happen. 

Out of the numerous unauthorised purchases, google only refunded one of the unauthorised purchases, in the amount of {$49.00}, while over {$2000.00} in Unauthorised purchases are yet to be refunded by google.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: GA

Complaint narrative:
I am a victim of identity theft. by FCRA LAW you were supposed to remove these fraudulent accounts after 4 days of receiving this XX/XX/2021. it is now XX/XX/2021 and these fraudulent accounts are still reporting to my credit report. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ) .Under 15 U.S. Code 1692e ( 11 ) you reported that i owe a " debt '' but i don't see any accounts that have a negative balance. Every account I see has a positve balance. this is in fact false and misleading. I was under the impression i would be geeting paid because I see positive balances where you say I owe. under 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy, I find these negative items reporting on my credit report to be very private. my peace is disturbed by you infringing on my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

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 2021-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had the misfortune of working with XXXX and US Bank in XX/XX/2021 when I was looking to buy a family home in XXXX XXXX. The interactions started strong. XXXX provided competitive mortgage rates, issued a pre-approval for a mortgage amount far greater than I needed and was fairly quick to call me back ( always on his cell phone never on a recorded line ). This positive beginning gave me the false confidence to dismiss the other lenders and focus entirely on US Bank, a decision I would later strongly regret. 

The requests for documents started to come through very piecemeal ; a statement on one day, a screen shot two days later, another statement a couple of days after that. There didnt seem to be any set plan on the documentation needed to process my application. This made the whole ordeal extremely drawn out which posed a serious problem with meeting the escrow date targets.

The mortgage requirements also changed considerably. 3 weeks into the discussions the amount of cash needed to purchase my house was increased arbitrarily by $ XXXX, a sum that thankfully I was just about able to raise. This increase was not for an additional downpayment the LTV of the mortgage was to remain the same it was simply an additional requirement with no further details given. XXXX repeated asked me whether my mom could lend me money or whether I had any siblings generous enough to gift me some cash. He had no idea of my person circumstances and I found these questions unprofessional and intrusive. He even went as far to suggest that I take out a person loan, have the money deposited in an account that did not have visibility on, transfer the money to my spouse so that they could deposit the cash in the escrow account to make it look like a gift. Although this all sounded very unprofessional and possibly illegal, I reluctantly agreed. At this point I was too far involved and it was too late in the process to change to a different lender. After doing this, as you would expect, my FICO score plummeted as I took out an unsecured loan. 

In the end, due to XXXX incompetence and mismanagement of the whole ordeal, I was forced to back out of the house purchase which was a severe setback to myself and my family. He inability to do his job lost me a house, a considerable amount of money in the form of fees and other charges, and also took up a huge amount of my time.

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 2021-05-27 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: MO

Complaint narrative:
I just notice that I have not received a response from XXXX Transunion, or XXXX for a letter I sent on XX/XX/2021. The letter was informing them of the inaccuracies on my consumer report and there are way too many. The consumer reports should be 100 % accurate and they must respond to me with a 30 day time frame and its been over 30 days.

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 2021-05-27 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
HELLO, THE AUTO LOAN ACCOUNT WITH SANTANDER SHOWS IT HAS BEEN SOLD TO ANOTHER AGENCY HOWEVER SANTANDER IS IN VIOLATION OF THE FAIR DEDT CREDIT ACT BECAUSE THEY NO LONGER HAVE THE ACCOUNT AND THEY SHOULDNT BE REPORTING THIS ITEM. ATTACHED IS THE LETTER MAILED OUT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: Medical Data Systems, Inc.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2021-05-27 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: AVANTE
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
this account is not mine. I contacted the creditor as well as sent them a copy of police report stating my information was used

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 2021-05-27 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: I.C. System, Inc.
State: LA

Complaint narrative:
this account is not mine. I contacted the creditor as well as sent them a copy of police report stating my information was used

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 2021-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief