vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 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: GA

Complaint narrative:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: IL

Complaint narrative:
I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

XXXX XXXX XXXX -XXXX XXXX XXXX XXXX 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 2022-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I have contacted cima in XXXX and XXXX to let them know this is a result of identity theft please remove from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-02-23 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: IL

Complaint narrative:
I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

XXXX XXXX XXXX XXXX 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 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX - XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-23 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:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello A transfer was made to a non-existent or closed Citibank account which was linked to my XXXX XXXX savings account in error. I submitted multiple requests to reverse this ACH transfer at both Citibank and XXXX XXXX, but no one has been able or willing to assist. 

Full details of the transaction are below for reference : Citibank Account Number : XXXX Citibank Routing Number : XXXX ACH Trace Number : XXXX XXXX XXXX Originating Account Number : XXXX XXXX XXXX Originating Routing Number : XXXX ACH Date : XX/XX/2022 Amount : {$67000.00} XXXX XXXXXXXX has confirmed these transaction details but Citibank has been unable to locate the transfer.

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 2022-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had a loan with 5th 3rd Bank. In late XX/XX/XXXX, I saw what my loan payoff balance was. The current payoff balance was {$2600.00}. I sent an electronic payment for that exact amount, and it cleared my checking account on XX/XX/XXXX. I logged into 5th 3rd 's website On XX/XX/XXXX to be sure that I didn't have a balance. I understand that interest accrues daily and with the XXXX XXXX 's holiday, it might take a little longer for my payment to clear. So I would have been fine with owing a little bit of interest. As an aside, most quality banks let the consumer know how long the payoff balance is good for, but they don't do that. 

When I logged into 5th 3rd on XXXX XXXX, I was able to log on, but there was NO account listed. I had NO account to check if there was interest owed. I took this to mean that I owed NO money and they closed the account. 

On XX/XX/XXXX, I received a piece of mail from 5th 3rd bank. I was expecting it to be my car 's title. But instead it says that I am LATE with my payment of {$12.00}. I logged into 5th 3rd immediately, and wonder of wonders, I had an account again. It said that I now owed {$2.00} interest and a {$10.00} late fee because the {$2.00} was due on XX/XX/XXXX. Clearly if I had known I owed additional interest, I would have paid it. But my account was CLOSED. They opened it back up to charge me interest and late fees. 

It is a matter of principle now. I don't owe them any more money, and I want my car 's title. 

Incidentally, I paid off a second car loan ( at a different bank ) at the same time. XXXX Bank thanked me for my business and sent me that car 's title within a month. I really don't like 5th 3rd banking practices, which was part of my motivation for paying off the loan. I wanted nothing more to do with them. And I thought I was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: Rent Recovery Solutions
State: AL

Complaint narrative:
Rent Recovery Solution is attempting to collect on a debt not owed to a company that I do not owe. I have disputed the debt with Rent Recovery Solutions by mailing and by phone. Rent Recovery Solutions is still attempting to collect on this debt. I have made attempts to resolve starting in XX/XX/XXXX through XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Equifax 's investigation. I have already addressed this issue to Equifax but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : XXXX XXXX  Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am name is XXXX XXXX and as I reviewed my recent report, I have found a lot of multiple erroneous information reporting on my Equifax Credit Report. I am not sure if you have conducted a thorough investigation for the multiple items stated below. Under FCRA,30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized : US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Failure to review and send change of mortgage hazard insurance in a timely manner To whom it may concern : I sent pdfs last week to your company of my interactions with PHH mortgage company since XX/XX/XXXX. 

Upon refinancing my current mortgage in XX/XX/XXXX, I was rushed through the process of closing and not informed of the change of payment for my hazard insurance at the time of closing. 

Since I did not know my hazard insurance would not come out of my monthly mortgage payments, as was done previously, I did not pay the policy. 

My hazard insurance ( XXXX ) was unaware of the change as well and sent payments to PHH requesting that the company pay the insurance fees or sent documents to the mortgagee ( myself ). 

I assumed the mortgage company would be paying it, and the mortgage company ( PHH mortgage ) assumed I would be paying it. 

The mortgage company did not inform me of this change or of their receipt of request for payment from XXXX hazard insurance and the insurance policy lapsed for a total of 10 months. 

CA law states that a customer or policy holder should be notified at least 45 days in advance of insurance being canceled or lapsing in payment. The law states that the mortgage company must send a written document stating the possibility of placing a forced paid insurance to cover the lapse. I did not receive such notice. Nor was I aware that the mortgage company was not paying the bill sent by XXXX insurance to them. 

I never received a bill for insurance or a forced paid hazard insurance letter from either XXXX insurance or PHH mortgage at the time of insurance cancellation ( XX/XX/XXXX ). 

I received notice of cancellation of my policy 10 months later, in XXXX of XXXX, of which I immediately renewed and fixed the problem. 

I am consistently a reliable policyholder who pays on time monthly. I was also proactive in renewing my insurance policy, as it was renewed immediately upon knowledge that the change in payment had been made in XX/XX/XXXX. 

The lapse of insurance would not have happened in XX/XX/XXXX if I was made aware by both the insurance company and PHH mortgage company. 

PHH mortgage 's refusal to take ownership and penalize me for the lapse of insurance policy, a policy I was unaware had lapsed, is inexcusable. 

The company was given ample time by XXXX insurance to provide me with the renewal bill sent to them, both in XX/XX/XXXX and XX/XX/XXXX. 

Instead, they waited 10 months until it was too late for me to keep my insurance current, costing me a higher insurance fee and, now penalizing me of a {$1000.00} fee of backpay insurance for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: Self Financial Inc.
State: FL

Complaint narrative:
I CALLED AND LET THE CREDITORS KNOW I WAS SICK AND COULD NOT MAKE PAYMENTS, HOWEVER THE ACCOUNT IS CLOSED BUT THE LATE PAYMENTS IS AFFECTING MY PYMENT HISTORY PLEASE TELL CREITOR TO REMOVE LATE PAYMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have noticed my name on my report not recognized, inaccurate & incorrectly spelled this is how my name should be on my report that I only go by - XXXX XXXX XXXX any other names I have never been associated with I also have noticed addresses that are not recognized, never lived at, or associated with me XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL 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 non-monetary relief
Consumer complaint received 2022-02-23 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
My employer Added me as a person on her XXXX page for her diner to be able to able to add posts and update the specials well then XXXX ads started taking money out of my bank account because once I was added as an authorized account manager my information from my XXXX also when on that page this started on XX/XX/XXXX the total amount that they tipped out of me was XXXX. XXXX that's from XX/XX/XXXX to XX/XX/XXXX. I called the bank I went and got a new debit card I took my information off of the XXXX XXXX citizen 's bank has taken {$800.00} in over draft charges because of this XXXX add thing being taken out numerous times. Dates are XX/XX/XXXX XXXX XXXX. 30.00 XXXX. 25.00 XX/XX/XXXX XXXX The overdraft charges came on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 
For a total amount XXXX The 1st time I called they did reimburse me 4 of the {$37.00} fees from my account now they're saying that the fraud case was unfounded and they can not return any of my money meanwhile they just keep charging me all these fees because my account is negative I have not been able to touch my paycheck which is struck deposited every Friday in over a month. It's Citizens bank. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Good afternoon, on XX/XX/2021 I opened a Select Checking account that offered the following : Get up to {$600.00} in cash bonuses. Receive {$400.00} by having direct deposits totaling {$6000.00} or more post to the new Santander Select Checking account within 90 days and get an additional {$200.00} by maintaining an average daily balance of {$6500.00} or more for the first 90 days. I have satisfied the requirements and it has been 90 days yet I was informed that I will not be eligible for this bonus because I am a signer of my wifes account and their terms state : Offer is not available if any account owner is a current checking customer of Santander or had a Santander checking account in the last 12 months prior to account opening. However, the terms had no mention that being a signer on a spouses account disqualified me from the bonus. I had only added myself as a signer to my wifes account due to a an issue with a deposited check that was made out to the both of us. Ultimately, this is very misleading since the promotional offer was sent directly to me and my Addendum to your personal Deposit Account Agreement even included the promotional information. I have attached both the advertisement sent to me as well as the Addendum to my personal Deposit Account Agreement. I believe the terms need to be more specific and I should be in fact eligible for the bonus this time. Kindly look into this for me.

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 2022-02-23 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: UPGRADE, INC.
State: NY

Complaint narrative:
The loan was received. A W-9 IRS form was requested nd also a 1099A for acquisition. The request was denied when it is the law to fulfill the request. 1099A was submitted along with 1099C for cancelation. The creditor still ignores the fact the acquisition took place and the account is settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I have had difficulty with this company from the moment I found out there was a loan taken out in my name. Someone had tried to purchase a vehicle in my name several years ago. To date, I still have not been able to remove this from my credit report. I contacted Credit Acceptance and submitted their fraud departments paperwork 2x. The first time they lost my paperwork. So, I had to wait for them to send me another packet. Credit Acceptance has done nothing to try to resolve this situation. However, when I try to contact the company they just insist that I have to pay this bill of approximately {$19000.00} for a car that was taken out in my name which was fraudulent. I do not owe this bill. I made a report with the XXXX XXXX XXXXXXXX police at that time. I want it and all reports made by them to be completely removed from my credit report. Now, it is difficult for me to get any kind of loan for a house or car or anything else. The lack of this companys ability to communicate effectively and resolve this issue is completely unprofessional. This is especially so in my case because there is zero proof, zero signatures, or anything of the sort that would connect me to the purchase of a vehicle using Credit Acceptance.

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