vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX XXXX, XXXX is the debt collector who keeps contacting me by phone, harassing calls and have reported this unverified to debt to all three credit bureaus. I have asked them several times to validate this debt per 15 USC 1692g Sec.809 ( b ) of the FDCPA guidelines and they have yet to do so. This collection has caused me to endure denial of credit, lowering my XXXX score and causes defamation of my character. XXXX sent my billing statements from XXXX XXXX and some redacted XXXX post early out flow sheet which doesnt validate this debt as l have requested on XXXX see attached letter sent and in their response dated 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 2021-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: OH

Complaint narrative:
I went to US Bank to close my XXXX XXXX account in XX/XX/XXXX and followed up in XX/XX/XXXX. When I gave my ID to the teller she told my grandmother account was closed already but I have a charge off amount that I need to pay. I told the teller have a have charge off balance with them over {$300.00}. I told the teller I closed my account by in XXXX with a XXXX balance. The teller goes to tell me the account was opened in XXXX, Kansas. I told her that was odd because I have lived their since XXXX. The tell goes to tell me to call the fraud department for US Bank. 

So I called the charge off department and the fraud department tell them know it was not me that opened that account in XXXX, Kansas because I haven't there in over 20 years. I even asked how did the account get open with out my ID the fraud department couldn't answer the question. So the lady that I spoke to said that she will file a police report that day. And as of today I have not heard back from US Bank. 
I had for me to open account with a bad check account that I didn't open. The information show up on Checksystem.

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 2021-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Today XX/XX/2021I received a letter from : sunrise Credit Services Inc trying to collect a debt of {$64.00} I don't know who are they and I don't own money to not one. 
It may be a scam but here is the information about the company

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 2021-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I received a notice from Wells Fargo bank stating that they were thanking me for opening a credit card and that I would soon receive it in the mail. I never applied for a credit card with Wells Fargo. I called Wells Fargo and asked what was going on. They looked and said a card was opened in my name no charges had been made and that I should be receiving my credit card in the mail to my address. I told them I did not apply for this credit card I do not want it. They said it mustve been opened in my name fraudulently which did not make any sense to me considering the mail came to my house and no charges were made on it. They said the card was open on XX/XX/2021. XXXX concerned this is more fraudulent activity by Wells Fargo.

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 2021-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In ( what I believe ) is retaliation to CFPB complaint # XXXX, a " Bank of America XXXX XXXX XXXX representative called me directly after the complaint was filled, which is completely in appropriate. 

Shortly there after ( roughly 10 days ) I received a letter from Bank of America listing my " XXXX XXXX XXXX XXXX '' application was denied for the following reasons : Unable to verify identification " Which is strange as they delayed my approval " until they had a Social Security Administration authorization form consent letter signed and returned '' so they could contact the Social Security Administration directly about me, my SSN # and my signature. The form had to be hand filled out and United States Postal Service mailed back. They had not received it as of XX/XX/2021 ( I called in, they said they hadn't received it yet, even though that was nearly XXXX weeks after I sent it ). 

XX/XX/2021 - XXXX received a call from the " Compliance Officer '' named XXXX XXXX XX/XX/2021 - Letter dated the date at the start of this line - " We can't approve your request '' When I started the application my XXXX XXXX was above XXXX ( XXXX good credit ). It did not fall below until it became obvious they were retaliating ( sitting on this for roughly 60 days, and only responding after a complaint had been filed regarding XXXX ). I decided to re-finance my home, which will make my XXXX XXXX even higher in just a little bit. 

They had both " Identification '' and my SSN ( copy of both ) PLUS the required " Social Security Administration '' verification permission with my signature on it. ( Additionally, I have banked with Bank of America for over 35 years - as is stated in the complaint XXXX. They know exactly who I am and how to reach me. 

This looks suspiciously, an AWEFUL lot like retaliation to 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 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The creditor has not reported my account balance to Experian correctly for the months of XXXX and XXXX of 2021. 
Creditor - bank XXXX XXXX XXXX I made several calls the their customer service to update my balances to Experian for the month of XXXX on the dates of the XXXX thru XXXX. 
My statement date is on the XXXX of each month. 
The Bank XXXX Missouri told me they updated my balance on XX/XX/XXXX but Experian never received an updated balance for XXXX until XX/XX/2021. 
Since I was between due dates my balance had grown and when Bank XXXX Missouri finally updated my balance on XX/XX/2021 my balance was {$230.00} on a {$300.00} credit limit which caused my credit scores to plunge which caused me not to qualify for a mortgage. 

It is unfair for this creditor to not update my payments promptly to the credit bureaus as per my agreement with them based on my balances on the end of my statement dates. 

Today is XX/XX/2021 and they still havent update my balance with the creditors which is now {$11.00}. 

Please hold this creditor accountable for accurately updating my balances with the credit bureaus based on my closing statement dates.

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 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have requested copies of my receipts of payment from a original loan that was taken out with this company and paid off. They stated that they would do so and contact me back .The company could not provide me with this and got upset when I requested them after the branch manager promised them to me within XXXX days. I called they did not have them and forwarded me to corporate. The local store stated that I refinanced a loan with them and I do not recall doing this. All the payments that were made they stated that they have receipt books in a storage and she do not have them after I was told by her she did .The balance on this account reflects more then what the original loan was by greater then 60 %. Also I notice that they increased the balance today by XXXX XXXX when this is supposed to be a so called closed charge off per them later on XXXX  yrs later I have a new loan with them and a balance when I know I initially paid them off in full. and also I was not given my original contract or so called refinanced contract when I asked. Every month they are still reporting that I owe them as a open account and increasing the balance and placed this item on my credit report that I am requesting to be removed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have requested copies of my receipts of payment from a original loan that was taken out with this company and paid off. They stated that they would do so and contact me back .The company could not provide me with this and got upset when I requested them after the branch manager promised them to me within three days. I called they did not have them and forwarded me to corporate. The local store stated that I refinanced a loan with them and I do not recall doing this. All the payments that were made they stated that they have receipt books in a storage and she do not have them after I was told by her she did .The balance on this account reflects more then what the original loan was by greater then XXXX %. Also I notice that they increased the balance today by XXXX $ when this is supposed to be a so called closed charge off per them later on 1-2 yrs later I have a new loan with them and a balance when I know I initially paid them off in full. and also I was not given my original contract or so called refinanced contract when I asked. Every month they are still reporting that I owe them as a open account and increasing the balance and placed this item on my credit report that I am requesting to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. Ive repeatedly asked for this to be removed through various methods.

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 2021-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: DC

Complaint narrative:
My mortgage servicer, SN Servicing Corporation, specifically its employee, XXXX XXXX, has intentionally and purposely obstructed and delayed my application for hardship relief due to COVID-19. On XX/XX/2021, I submitted a hardship application via email advising my mortgage servicer, SN Servicing Corporation, that I was temporarily unable to make my payments due to a delay in starting a new job. The submission was sent to asset manager, XXXX XXXX, who responded to me on XX/XX/2021 advising that the company would defer my XXXX  mortgage payment and requesting that I set up a payment plan for XXXX. On XX/XX/2021, I sent an email to XXXX XXXX asking for relief through XXXX. XXXX XXXX responded to my email on XX/XX/2021, stating that " the investor is not offering to defer nor forbear any payments, which is why neither is being offered. '' This statement was a complete contradiction to the XX/XX/2021 email, in which I was advised that the XXXX  payment would be deferred. On XX/XX/2021, I sent a reply to XXXX XXXX expressing my confusion and concern from this contradiction. On the same day, XXXX XXXX, an employee of SN Servicing Corporation, whom I've never met and only learned of upon submission of my hardship application, sent an email personally attacking me and completely failing to address the discrepancy of her statements or the issue overall. Due to XXXX XXXX failure to address the issue at hand, I remained unclear of whether I would be receiving a deferral or if the offer was rescinded. The same day, I sent an email re-explaining my confusion and asking for clarification, also informing XXXX XXXX that her email was out of line and unprofessional. Again, XXXX XXXX replied in an unprofessional manner, continuing to make my request a personal matter, making personal attacks and failing to give me clarity. She, again, failed to address the reason why I contacted her which was to seek relief until I began earning an income again. 

In my final email to XXXX XXXX on XX/XX/2021, I reiterated my point of confusion, pointing to the clear discrepancies of her statements. At this point, I realized that I would not be receiving clarity or a resolution as XXXX XXXX purposely sought to confuse and obstruct my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: GA

Complaint narrative:
I called XX/XX/XXXX to get my lost card .However, I talked to supervisor who decided they would help me with the removals of the late payments as we were talking she agreed to remove late payments of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

We talked about our kids our relationship with credit improvement and other potential good things coming up in our life XXXXShe told me she would transfer me to department to get them removed. 

She even told me it help boost my scores once they removed them. 
She told all they do was remove the late payments. Then once I transfer I told another story. 

Again I wasn't calling about late payments this agent wanted to help and told me they remove them. I was very upset I stayed on the phone with them for 3 hours got transfer 4 times and no results as promised. Then another supervisor told me file a complaint against the company so I am doing so now he said if I was his family member he file a dispute against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Penfed advertises a XXXX auto loan rate for 60 months for new cars. The steps are you must use there auto buying service and buy a new car plus have good credit. I followed the steps they ran my credit and they offered me a XXXX rate at 72 months when I asked for 60 months. That rate is higher then advertised and higher what I was able to get at another bank of XXXX for 60 months. My credit score is XXXX with no late payments yet Penfed couldnt disclose why I dont qualify for XXXX rate. I believe they are bait and switching by offering a rate they dont actually have or plan to give.

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 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted 3 disputes with Equifax to have XXXX update the credit information on my file. I even provided proof of the account pay-off. Each time Equifax has come back and said that XXXX has verified the account is still open and that I still have an outstanding balance. I don't know what more to do to get the information correctly listed as paid in full on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Hi, My Loan was transferred to Mr. Cooper back in XX/XX/2021. I immediately noticed that they had not properly escrowed for all land parcels attached to the purchase and began reaching out ( first message was on XX/XX/2021 ). I then sent notes almost every two weeks both through their online system and through a Home Advisor they assigned to me. After several months of accruing interest on my property taxes, they finally added some of the parcels and paid most of the outstanding debts. There is still one parcel ( tax bill ) outstanding, and they continue to ignore my requests. I have recently received a demand letter from the county stating they will put a lien on the property. I have shared this letter with Mr. Cooper ( just as I have shared every over due notice sent to me ). Still, no response. I need Mr. Cooper to properly pay my taxes if they are going to escrow them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OLIPHANT FINANCIAL, LLC
State: MI

Complaint narrative:
I received notice that I am being sued for a debt with XXXX XXXX, closed in XXXX. I received a letter from their collection agency Oliphant Financial. I sent a letter disputing the debt dated XX/XX/XXXX. I NEVER received validation of this debt until I received the Summons from the court. I NEVER received ANY information regarding the original creditor from this company, NOR from the attorney 's. The collection agency and the Attorney 's XXXX XXXX XXXX, FAILED to follow the correct protocol before suing me for this debt with the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: TX

Complaint narrative:
I did not consent to or authorize or benefit from any of the following inquiries, nor did I consent to these being shared by a XXXX party affiliate XXXX, please remove the following within XXXX business days upon receipt to avoid any further legal proceedings, thank you! Texas XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. 

My only employer is XXXX XXXX XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On Thursday, XX/XX/XXXX at XXXX AM I went inside the Chase branch near my house. I deposited {$2400.00} in cash into the ATM inside the bank. The ATM took a long time to try and process the account and eventually there was a message that said they were having a problem. And to be sure the deposit went through please call us at this number will print the number on your receipt. This particular branch has not given out receipts on their ATMs for the past several months. I went to talk to the branch XXXX and she gave me a number to submit a claim. I submitted a claim, the customer service representative said it could take two hours up to two days to have the money deposited into my account and that they would send an email confirmation to update me on anything that is going on. It has been 2 1/2 days and the money is not in my account and I have not heard anything from Chase. The ATMs are defective and ATMs do not give out receipts any time you make a deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: MN

Complaint narrative:
There was never a late payment. The name of the Company is XXXX XXXX XXXX XXXX. The company has numerous of scam issues against them. Yet Equifax, XXXX, and XXXX have enable them to falsely report information. Saying that the information is verified without asking for any proof. In fact, I do not owe XXXX XXXX XXXX XXXX anything nor I was late. Please proof that I was late!

Company response to consumer: Closed with explanation