vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Around XX/XX/21 I put in a web request for refinancing with a $ XXXX cash out on a property in XXXX XXXX Texas. The first company to reply was LoanDepot and I started their process. The intake person I spoke on the phone was XXXX XXXX, Licensed Lending Officer NMLS # : XXXX. He quoted me the rate for investment homes at 3.625 % and no problem on the cash out. I filled out their electronic forms, they provided me with a conditional approval letter ( loan XXXX ) and collected {$21.00} fee to run my credit report ( low XXXX or near perfect ), they asked for a lot of information, I locked the rate early, and they asked for {$21.00} and {$490.00} to run my credit and pay for appraisal. I did. Fast forward 2 months later, the refinancing isn't closing. I ask repeatedly, what's going on, why are they having trouble closing? Their senior loan specialist XXXX XXXX stopped answering emails to me. I started calling the intake person XXXX XXXX and almost simultaneously I get a denial letter ( they had approved me conditionally twice ; I have the letters ) saying they were denying the loan because they were " unable to verify residence ''. However, XXXX XXXX over the phone tells me that cash out on rentals are not allowed because I live in CA. My guess is that he knew this from the beginning and took my {$21.00} and {$490.00} fees knowing I wasn't going to get approved. I, as a consumer didn't know that, but since, I have verified that information with other lenders. Additionally, the loan rates have gone up causing me to lose the window of opportunity to get a better rate. Deceptive practice or incompetent ( two senior ) staff? I want at the least my money back. I received a letter 2 weeks ago saying that a representative was going to call to try to remedy my complain... No one has called. I'm not holding my breath on that one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Paid off lien of vehicle. Got notified of garnishment of my wages by employer ( XXXX XXXX XXXX ) dated XX/XX/XXXX. I received court paperwork from XXXX XXXX XXXX on XX/XX/XXXX via the United States Postal Service . Garnishment of wages occurred on XX/XX/XXXX. I have a lien release dated XX/XX/XXXX. I have a clear title from the State of Michigan dated XX/XX/XXXX when applied for a new title to sell vehicle. I was never notified of a court date. Therefore I was not able to submit paperwork to court. This is also affecting my credit report to the negatively.

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 2021-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waterfall Revenue Group
State: DE

Complaint narrative:
On XX/XX/2021 I paid my co-pay of {$50.00} to XXXX online. A month later I got a collections agency bill. I then sent a fair debt collection practices act to confirm the debt that is owed currently I received a letter today stating I still currently all the debt Which I paid back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
XXXX XXXX, 2021 Dear Sirs : During a telephone call on XX/XX/2021 from an individual stating that he represented XXXX, I gave out my XXXX XXXX drivers license info. The individual claimed that he was investigating possible fraudulent upcoming charges on my XXXX account for an XXXX product. 

After giving a scan of my XXXX drivers license, I finally became very suspicious of the caller and ended the call. No phone number appeared in recent calls on my XXXX. 

The " XXXX '' individual claimed that there were attempts to use my XXXX account in XXXX XXXX XXXX XXXX. The amount was a pending XXXX product for {$1200.00}. 

My wife and I will be moving to XXXX is about one week. I am not sure that issuing a new XXXX  drivers license makes sense. 

My current XXXX XXXXXXXX drivers license number is : XXXX XXXX. 

Please retain this information for any fraudulent use of my XXXX drivers license. 

I have contacted the Washington State Dept. of Licensing, my bank -- USAA and changed my XXXX password. When I place an order on XXXX I charge the purchase to my USAA checking account or my USAA debit card. 

I don't believe that I gave out additional information. However, the individual may have had software that I believe allowed him to see my home screen on my XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: PA

Complaint narrative:
I notified XXXX, XXXX, and TransUnion about the Federal Violation of 15 USC 1681b- Permissible purposes 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 RELATES. 

I NEVER GAVE XXXX, XXXX, AND TRANSUNION ANY WRITTEN CONSENT TO REPORT ACCOUNT # XXXX XXXX XXXX XXXX 
NO CONSENT IS IDENTITY THEFT, WHICH IS A FEDERAL CRIME.

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 2021-12-31 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: PA

Complaint narrative:
I notified Equifax, XXXX, and XXXX about the Federal Violation of 15 USC 1681b- Permissible purposes 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 RELATES. 

I NEVER GAVE EQUIFAX, XXXX, AND XXXX ANY WRITTEN CONSENT TO REPORT ACCOUNT # XXXX XXXX XXXX XXXX. 
NO CONSENT IS IDENTITY THEFT, WHICH IS A FEDERAL CRIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
This is pertaining to VA toll service. I owed XXXX in tolls and VA sent me to this collection agency and they want XXXX in administration fees. 13 tolls total and they want XXXX dollars for each toll. I have a toll pass but funds were not available due to having XXXX XXXX. I can send the statement they sent me. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I applied for a line of credit at the on line music equipment site called XXXX. The credit line was approved for {$600.00} through Synchrony Bank in XXXX of XXXX. I made my first purchase of {$590.00} on XX/XX/XXXX. I made my first payment of {$100.00} on XX/XX/XXXX prior to the XX/XX/XXXX due date. In early XXXX I applied for a small loan of {$4200.00} through n loan service called XXXX for the purpose of consolidating all my credit card debt. The {$4200.00} loan was approved and I paid off all my credit cards, including the Synchrony Bank card. So I paid off my XXXX XXXX, XXXX XXXX, and XXXX accounts. On XX/XX/XXXX, Synchrony Bank informed me they lowered my credit limit from {$600.00} - {$250.00} based upon the information they received from XXXX, the same credit reporting agency they consulted to 'approve ' my my original {$600.00} credit limit back in XXXX. I believe this adverse action on Synchrony Bank 's part was arbitrary and capricious. None of my other credit cards lowered my credit limit because I paid off my credit cards. So the decision of doing this on their part is dubious at best.

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 2021-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase promises additional rewards ranging from 1 % -6 % back using " XXXX XXXX '' homepage and " shop through Chase '' feature. However, I think they are not following through with the promised bonus points and are falsely advertising. 

As described through their website : Shop through Chase is a way to earn bonus points when you shop popular online retailers through the XXXX XXXX site. To be eligible for the additional points, you must use your Chase card with XXXX XXXX to pay for your order at the online retailer 's site. First choose the merchant 's " Shop Now '' button to view the merchant 's terms and conditions regarding eligible orders. Then choose the green " Shop at '' button to be directed to the online retailer 's site. 

I followed the steps for 2 separate purchases on different dates and did not receive the bonus points either time. 

XX/XX/2021 XXXX {$820.00} - Promised 1 % additional rewards at that time XX/XX/2021 XXXX MD {$46.00} - Promised 6 % additional rewards at that time. 

I feel falsely coerced with the promise of bonus points to complete the purchases. The " shop through Chase '' feature is undoubtedly benefiting Chase from kickbacks through the merchant, but they are not sending back the rewards they promised the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: MI

Complaint narrative:
SN Servicing Corporation is not recording my mortage payments on my statement. Every statement I receive does not reflect my mortgage payments. Also, this loan was included in bankruptcy, but late fees are on the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. After recently obtaining a copy of my consumer report I became aware that I.C. System, Inc. is reporting an " alleged '' debt to my consumer report. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting verification but I am requesting for VALIDATION and PROOF OF CLAIM. I request that their office provide me with evidence that I am obligated to pay them. Continuing to report this debt without properly validating is a violation of the FCRA ( Fair Credit Reporting Act ; 15 USC 1681 ). You have 30 days to respond to this request or this debt will be considered invalid and the demand for removal from your reporting agency will be required. I need this problem resolved as soon as possible as this is a negative reflection to my consumer report. I.C. System Inc. received all documents and supporting evidence of my complaint through the mail on XX/XX/2021.

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 2021-12-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have an account with Macy's/DSNB, account number # XXXX it was opened in XXXX I, ailed in my monthly payment in XX/XX/XXXX Well in advance, As y credit rating being in the high 700 's, I am a responsible hard working adult, father, and husband to provide for my family. So when I noticed that the check had not been cashed I immediately called Macy 's and paid over the phone. The representative said this has happened a lot with covid and the pandemic and that I would NOT be receiving a late payment. As I was relieved as we are in the middle of escrow to close on our new home that my wife and I have worked so hard for. Our lender calls, e and says there is a problem your credit score dropped 47+ points due to a late payment reported by Macy 's . 
I immediate call them and ask why? the representative was harsh and unwilling to work with me. She kept saying there is a language barrier. I did not understand what she was saying to me. She finally said You have an accent. I was born and raised in XXXX XXXX California. My family is XXXX. I have never been told in XXXX  years that some one could not understand me. She kept repeating herself in a rude manner and interrupting me " What did you say? I can not understand you!! I feel so completely discriminated against. I can not believe that Macy 's has made me feel this way. I have impeccable XXXX  as that is the only language I speak. I was lied to, put down, and discriminated against. Is Macy 's going to pay us back our life savings on a home we could lose because of a late payment that indeed was not late? The only resolution I will accept on this matter is for the late payment to be removed. the late is showing on XX/XX/XXXX. I have never felt so put down, I will contact the press if need be. This is unacceptable.

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 2021-12-31 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the letter below. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house for my family.

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 2021-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
CCS Companies failed to communicate the debt before reporting to Consumer Reporting Agencies. I was notified of this debt in XX/XX/2021 by my credit monitoring service. The debt is in the amount of XXXX of a balance owed to XXXX XXXX XXXX, dating XX/XX/2021. I received 1 notification by email from XXXX XXXX on XX/XX/XXXX, which was missed in my email. No other notification since from XXXX XXXX or CCS. According to my credit report, the account was opened with CCS on XX/XX/2021. I received no communication via email, telephone, or mail regarding this collection account. CCS reported to the credit reporting agencies without adhering to Fair Reporting Guidelines as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BCG Equities, LLC
State: IA

Complaint narrative:
I RECEIVED A NOTICE FOR A SMALL CLAIMS JUDGEMENT, I DID NOT RECEIVE ANY NOTICE FROM THIS COLLECTION AGENCY, I CALLED THEM TO TALK ABOUT THE DEBT, AND ASK TRIED TO SET UP A PAYMENT PLAN THAT WOULD STOP THE JUDGEMENT, BUT THEY WHERE UNWILLING TO WORK WITH ME EVEN THOUGH I WAS WILLING TO SET UP A PAYMENT PLAN ON THAT CALL. THEY SAID THAT THEY SENT A COUPLE OF LETTERS AND WENT RIGHT TO TRYING TO SUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: GA

Complaint narrative:
I, The NATURAL LIVING MAN and THE ORIGINAL CREDITOR, have extended my open ended consumer credit to Upstart Network , Inc. to have it extended back to THE CONSUMER, myself, using an open ended consumer credit plan Under the Corporation of the United States of America, securely bonded in Surety and trust within my Certificate of Live Birth. Upstart Network , Inc. is a non-living and non-breathing entity and they have misused my extension of living open ended consumer credit ( SSN ) and signature to create a fraudulent credit sale. They have falsified statements, documents and furnished consumer reports stating that their corporation is a " creditor, yet by law have no right to the extension of living credit to offer the living consumer, myself. The lender in any loan transaction in the United States NEVER lends anything of reasonably equal value to the borrower and any contract formed is defective for false advertising, semantic deceit, non-disclosure, and lack of equitable consideration. Upstart Network , Inc., by Federal law, is also a debt collector and they collected fraudulent and nonexistent alleged debt. FDCPA and TILA does not specify OR define the term borrower or loan, therefore this notion of debt can not be validated in truth even in the highest federal court. Understand, when an organization initiates a credit sale in a person 's commercial name using their open-ended consumer credit plan, then creates and furnishes a deceptive form to make a credit sale appear valid, this is in fact identity fraud and theft. They have willfully intended to deceive the original creditor, myself, into a fraudulent contract during a credit sale of a consumer credit transaction. I know who I am, and I am invoking my specified remedy as the original creditor and consumer in this consumer credit transaction. If they continue to attempt to collect this alleged debt, which was constructed willfully in fraudulence and identity theft, I shall be forced to pursue federal litigation with the presentation of facts and exhibits to support my stance. It is impossible to pay on a positively reflected balance debt or charge. They have misled the consumer, myself, when in fact the alleged debt balance shows it has already been accounted for. Upstart Network , Inc. has received my correspondence and supporting documents via U.S. mail on XXXX XXXX, 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted equifax XXXX XXXX and XXXX about my XXXX XXXX card no one is helping get it removed I disputing the item several time.. XXXX used my tax return back in 2017 to collect the debt amount it has been over 7 years every time I dispute the item it just says verified I have sent letters and asked how it was verified.. XXXX is not responding to my email or are they reporting to the credit bureous all I get is you have to call XXXX which I did. I am requesting the XXXX XXXX card to be removed from my credit report immediately if no one can provide me information I have been requesting for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I received an alert from XXXX XXXX letting me know a cc card was opened with a {$9200.00} limit on XX/XX/2021. I did not open this acct. My first disputed stated i did not know this account and they refused to close and remove this. I did not open this account.

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 2021-12-31 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the letter below. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the letter below. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house for my family.

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