vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-07 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: Self Financial Inc.
State: IL

Complaint narrative:
Someone entered a Fraudulent consumer transaction with an organization using my credit card ( as described in XXXX XXXX XXXX ) and as a Result was extended credit in a consumer credit sale by this organization. The XXXX is now Claiming that they originated the credit, that someone else Extended to them by using my personal information, in which constitutes XXXX. Pursuant to the Federal Law they have committed fraud and several violations of the FDCPA, TILA, & FCRA. They have not validated anything ; I never received a XXXX XXXX of any of the information that was suppose to be provided to me. They have not been Impartial & have taken an unfair Advantage of me as a Consumer ; They should be held accountable for deceiving me and not Validating the XXXX. They are Violating my Trust within the banking system and this is causing me Reluctance when doing XXXX with other banks & XXXX institutions. They are Ruining my general Reputation and Character and should be held Accountable for Violating the law and Violating my Trust. This is causing me severe adversity, Stress, mental anguish, hardship, & XXXX as a result of them reporting Fraudulent information on my consumer Report. They're acting as if they are Unaware of what i am Requesting or that the Law does not Apply to them and I've included Evidence & Proof several times, Pursuant to Federal law with facts that prove that the Law does in fact apply to them & that they Must Adhere to them. They have disregarded the law by saying, The information I disputed has been verified accurate, which is Not Proof Of Verification or Proof of Anything. They have not Provided me with any Original Documents & They Continue to disregard the Law by failing to properly verify information and using unfair Practices With no real actual investigation ; They haven't conducted any interviews nor have they sent me Verification with Exact names & addresses of conducting Actual interviews Nor have they provided me with any Material Disclosure of any Original Documents. Their willful Disregard to Federal law and non-compliance has essentially damaged my Credit XXXX as well as my consumer Report and Reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I was in what they called a reage program, yet I was charged late fees. Under those circumstances, Im being punished for trying to do the right thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-07 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: EQUIFAX, INC.
State: SD

Complaint narrative:
I have never had an account with the XXXX XXXX XXXX! I was led to believe that the account i had with XXXX XXXX is the bank that i was paying on and then i found out from viewing my credit report that the account was with XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX and transferred all over the place just to be told that i need to dispute the account ( s ) with the credit bureaus because they don't have any record of any accounts in my name and the persons that i spoke with stated they don't have the ability to remove the account ( s ) from my credit report. 

I also have received my credit report from equifax and there are inquiries from companies that i do not recognize and i don't believe that i would have requested that my credit be pulled when my credit report previously had freezes on it and and extended fraud alert. I do not know of these companies or why they have made hard inquiries on my credit they are : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 

also, there is a student loan showing on my equifax credit report from XXXX and i did not have any student loans in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Someone entered a Fraudulent consumer transaction with an organization using my credit card ( as described in 15 USC 1602 ) and as a Result was extended credit in a consumer credit sale by this organization. The Organization is now Claiming that they originated the credit, that someone else Extended to them by using my personal information, in which constitutes Fraud. Pursuant to the Federal Law they have committed fraud and several violations of the FDCPA, TILA, & FCRA. They have not validated anything ; I never received a Material Disclosure of any of the information that was suppose to be provided to me. They have not been Impartial & have taken an unfair Advantage of me as a Consumer ; They should be held accountable for deceiving me and not Validating the Debt. They are Violating my Trust within the banking system and this is causing me Reluctance when doing Business with other banks & Financial institutions. They are Ruining my general Reputation and Character and should be held Accountable for Violating the law and Violating my Trust. This is causing me severe adversity, Stress, mental anguish, hardship, & XXXX as a result of them reporting Fraudulent information on my consumer Report. They're acting as if they are Unaware of what i am Requesting or that the Law does not Apply to them and I've included Evidence & Proof, Pursuant to Federal law with facts that prove that the Law does in fact apply to them & that they Must Adhere to them. They have disregarded the law by saying, The information I disputed has been verified accurate, which is Not Proof Of Verification or Proof of Anything. They have not Provided me with any Original Documents & They Continue to disregard the Law by failing to properly verify information and using unfair Practices With no real actual investigation ; They haven't conducted any interviews nor have they sent me Verification with Exact names & addresses of conducting Actual interviews Nor have they provided me with any Material Disclosure of any Original Documents. Their willful Disregard to Federal law and non-compliance has essentially damaged my Credit File as well as my consumer Report and Reputation.

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 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank XXXX brooks brothers XXXX XXXX XXXX reduced my credit limit without any warning and without any notice at all prior to doing so, so that my account went all the way to 99 % utilization rate, on XX/XX/2022, when the most recent payment was due, and the date that I made a payment. I have never missed a single payment on any credit card or loan account and have never had an issue making more than minimum payments. I never received any mailing or notice about a decrease or any warning about it. the company did not even tell me, another identity theft protection plan I use told me about the credit decrease and the resulting increase in utilization rate. This is a violation of the fair credit reporting act because she stated that the reason they did so was because of payment delinquency ( not true ) which would required the notice. She said that the notice would be received in 7-10 days from TODAY, XX/XX/2022, which is days after this all apparently happened. 

I reached out to customer service and the lady was rude and said it was the credit agency 's fault and that she could not do anything. When I brought up that I was charged a late fee on XX/XX/XXXX, and then refunded that same late fee on the same date she got agitated. Then when i asked why I never received any notice or warning about it and she said that Citibank doesn't do that and wouldn't do it without telling people. I let her know that I never received any warning or notice and that literally another company which I pay to protect my identity were the only reason I found out. She said XXXX did the report but that doesn't mean that I shouldn't have been told about it. Then she hung up me when I asked about why i never received any letter or notice or anything about it. 

I don't care ultimately about the credit line or these nefarious people with suspect practices but I never was even told about it. no notice at all. it is not right. 

Then she hung up me when I asked about why i never received any letter or notice or anything about it. 

Also the document and the website says i requested a cash advance which never happened.

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 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with TARGET/TD with the account XXXX. The current status should not be showing late because I think I paid on time. This just proves that XXXX Credit Bureau lacks proper record keeping. Now, this account is reporting to be late, yet it is closed and the balance is XXXX. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise fix these accounts immediately. CORRECT THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: NV

Complaint narrative:
I filed an application for the XXXX XXXX to Repayment program in XXXX to seek loan forgiveness for the loans I accrued while at XXXX XXXX when owned by XXXX XXXX XXXX XXXX XXXX. In XXXX of XXXX my application was denied without adequate consideration and explanation. Our case with XXXX has been reopened ( loans are still in administrative forbearance ) due to a court ruling, to my understanding. My complaint is that I've been waiting far too long for a proper decision about my XXXX application and there has been no communication from the Department of Education about what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/XXXX, I opened Key XXXX XXXX  account # XXXX. KeyBank was offering a bonus of {$200.00} when you open a new eligible XXXX account and complete the following requirements : Use offer code XXXX Receive a single direct deposit of $ XXXX On XX/XX/XXXX, I received a qualifying direct deposit from my employer. 

In early XXXX, I reached out via online chat and I was informed that I would need to wait 90 days for the bonus to post. 

On XX/XX/XXXX, I reached out again via chat because the bonus did not post in XXXX as promised. I spoke with XXXX who offered to put in a request to the back office, but I never heard from the company after that. 


.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: TX

Complaint narrative:
I sent a letter via certified mail delivered on XX/XX/XXXX to XXXX regarding a collection being reported on my credit report asking for validation of purported debt. I did not receive a response. I sent a letter via certified mail on XX/XX/XXXX asking for Transunion to delete and/or investigate the collection being reported to my credit report ( acct starting with XXXX ). There was no response, and not note that it was disputed on my credit report as of XX/XX/XXXX when I sent another letter requesting the account be deleted. I got a letter sent XX/XX/XXXX stating that the account was verified as accurate. It has now been well over 120 days since I initiated contact with XXXX, and over 100 days since I initially contacted Transunion. I do not believe that an investigation was done at all.

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 2022-02-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Greetings, National Credit Systems is holding a collection account in my name without any supporting documentation even after XXXX  disputes, through XXXX. I have requested any and all supporting documents from XXXX and they have been unable to provide any supporting documents even after XXXX  disputes and several hours of phone calls. I have found XXXX representatives to lie directly to me and block my requests for information. This collection account is causing me great harm as it is a housing/leasing creditor class and is preventing me from obtaining housing with my XXXX XXXX. The collection dispute Confirmation number is XXXX. Please help me correct this collection that was placed in my name incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUMMIT FUNDING, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX I was notified that there was an issue with my escrow account. My paperwork was not completed to receive my XXXX Tax Credit on my Summer XXXX taxes causing my Summer Taxes to go up {$1900.00} and my mortgage payment to go up {$500.00} per month. I contacted XXXX XXXX on XX/XX/XXXX and spoke to the about how to fix this situation. I was told what paperwork was needed to prove residency and reinstate the tax credit. A hearing was set for XX/XX/XXXX. The township ruled in my favor and sent me documentation to send to my lender to have my escrow and mortgage adjusted. I sent this document to Summit Funding in XXXX but my account was not corrected. I have not been able to get in touch with anyone at the company. I have uploaded the documents to Customer Care and to my own account on the portal several times. I have called Customer Care on XXXX occasions and was on the phone for over an hour each time being sent back and forth from Customer Care to the tax department, each time being told ny issue would be escalated. I finally reached someone at the corporate office who took down my information and said that they would get back to me on XX/XX/XXXX. I have yet to get a call back. I am at a loss as to what to do. My payment is now showing that it is 2 months delinquent and my credit score has dropped tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My Transunion credit report showed a collection item from XXXX XXXX XXXX with a phone number of XXXX, the phone is a recording who never calls back. The company placing that collection, was XXXX in XXXX, OH. They said an online purchase of a phone on XX/XX/2021 was made with a XXXX credit card, that was not mine, through XXXX XXXX and shipped to an address that was not mine. When the account was not paid, the collection item appeared on my credit report as well as my husbands account. 
We both filed an identity fraud dispute on our accounts. 
In addition, we have filed an identity fraud complaint with the police department, and will be following up with the Federal Trade Commission.

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 2022-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX  / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-07 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I paid off a Wells Fargo Auto loan on XXXX XXXX in the amount of {$4300.00}. Wells Fargo sent me a letter that the debt was settled and the title was mailed to me. 
Several weeks later Wells Fargo contacted me and said that the payment didn't go through ( It was a bank check or money order I paid with ) and I asked them to show me the check I sent them. They couldn't locate the payment form and said it was still outstanding even though I have a letter from them and the title. This has ruined my credit. I had XXXX reach out to them and nothing was resolved. I than had XXXX dispute this and they charged off the amount on my credit report. 

It had escalated to the Presidents office at Wells Fargo and I spoke with someone who said they were passing my information along and I never heard back from them and didn't know how to contact someone at the Presidents level.

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 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I made a payment of {$280.00} to avant my credit card company. My balance went back down to XXXX. On XX/XX/XXXX I made a payment of {$30.00}. Again my balance went down to XXXX. On XX/XX/XXXX my credit card company made an adjustment of {$280.00} to my balance. When I called them they told me that they dont accept my bank no more and that they return the payment. I contacted my bank and informed them what happened and they told me that no payment was returned to them. I contacted my credit card company and showed them Transactions from my statement showing that I did not receive any refund from them. While talking to My credit card company an Employee informed me that on XX/XX/XXXX my balance will go back down to XXXX. That the problem had been fixed. XX/XX/XXXX Ill check my balance it was at {$280.00} still when I called the credit card company back they told me that I still owe them that money that if I dont make a payment Ill be penalized. When I explain to them what happened I was told again that OK we will put your balance at XXXX on XXXX XXXX. But since then I receive messages and calls from the credit card company telling me I will be penalized if I dont make a payment on XX/XX/XXXX. When I called them today they told me that they would have to investigate it and it would take XXXX to XXXX weeks and that if I dont make a payment in this time I will be penalized. Their mistake has cost me XXXX points in my credit score as well as any chance of possibly getting a home loan at this point in time. I have no issues repaying The {$280.00} as long as they are willing to return it to me. All the documents attached to this complaint are just a show I didnt receive a refund from them

Company response to consumer: Closed with explanation