vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS # ENDING IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I refinanced my auto loan and paid in in full. I have complete records of everything. 

XXXX XXXX first took several months to report my auto loan as paid in full. 

I reported the issue with all 3 credit agencies. 

The account is now reported closed but XXXX is reporting that I have a {$5000.00} balance to TransUnion when I have a paid in full letter from XXXX and they released the title.

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 2021-07-31 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: LEXISNEXIS
State: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
During the year of 2018 late XXXX I was having fraudulent activity on my card. Initially I had lost my bank card and did not notice until my next payday. When I noticed my card was missing I tried to log into my online banking, but it denied my access. I then went right to my nearest banks location and I spoke with a Bank of America banker. We both sat down and looked into my account he told me that he even had this issue with the same name and phone number but there was little he could do. Shortly after my account was closed due to fraud and I needed to contact the fraud team. I did just as that and filled a claim. The bank explained to me that there were three fraudulent transactions so we made a claim fro them all. Months after the bank finally disputed some of my claim but half of it was still present. I then called to complain of the XXXX dollars still remaining, I was appointed to the recovery system and they explained that I needed to pay the balance and my name would be clear, so I did just that. I paid the entire balance but I still can not get any bank account of any name in any part of this world. I would greatly appreciate if I could speak directly with someone who could understand my frustrations. thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: MS

Complaint narrative:
i recently check my credit report on XX/XX/2021 and notice that the CRA 'S ( XXXX, EQUIFAX, AND XXXX  ) are reporting incomplete and inaccurate information on my credit report and have not verified the items nor sent me the information that i requested.i sent some more letters off on XXXX XXXX and haven't gotten anything that i requested.i use USPS certified mail on both occassion.XXXX ( XX/XX/2021 ) # XXXX XXXX XXXX XXXX XXXX ; EQUIFAX XXXX XXXX XXXX XXXX XXXX ; XXXX  # XXXX XXXX XXXX XXXX XXXX EQ XX/XX/XXXX-XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
In XX/XX/XXXX, my husband paid off our USAA Visa card. It showed a XXXX balance and we have not used the card since. We were in the process of applying for a cashout refinance XX/XX/XXXX, to pay off the rest of our debt and to get me much needed medical help for my severe, chronic back issues and were denied. They've begun showing a XXXX balance on the account and reported it as a late pay to the credit bureaus. Then, they refused to look into it until I filed out a form on their site ( is been so long I don't have the login anymore ). I finally figured out how to get in and dispute the reporting. I paid the XXXX charge to make it go away. But it's XXXX that I have to wait 30 days for them to remove it from my credit report when I haven't used the card in over a year and wasn't even aware that we were billed for it until I was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Bank : CITI Payment made : XXXX XXXX on XXXX XX/XX/XXXX CREDIT CARD XXXX  XXXX  postponed my trip on XX/XX/XXXX due to Covid travel restrictions. 

*Please see the email sent by XXXX XXXX postponing my trip - XXXX XXXX went into administration and became bankrupt on XX/XX/XXXX. It was at this stage I became aware that I would not receive the services that I paid for. 

*Please see the attached email sent to me by the insolvency practitioners, XXXX on XX/XX/XXXX, informing me of the administration. 

I attempted to open up a chargeback dispute on XX/XX/XXXX using the Chargeback code XXXX for credit Merchandise services not received. 

I have been waiting for 12 months and have filed 3 dispute inquiries and Citi has refused to open up the dispute on the basis that The Merchant is not willing to refund Under the Fair Credit Billing Act it is my right to claim a refund when the service I paid for is not received due to a company 's bankruptcy. The merchant - XXXX XXXX XXXX has ceased trading. 

See Companies House as evidence that XXXX XXXX is about to be liquidated : XXXXXXXX XXXX XXXXXXXX The time limit for making a claim should start from the date you were expecting to receive the service/trip not from the purchase date, given you are buying something to be delivered in the future. 
In my case this should be my refund credit note which was due to expire on XX/XX/XXXX. 
It was made clear to me that if I didnt use the note by this date, I would be fully refunded. 

They may also use the date I found out that I would not receive the trip ( XXXX XX/XX/XXXX XXXX as I first tried to open the dispute on XX/XX/XXXX Here are Mastercards rules : On chargebacks there is normally a 120 day limit, but this can be extended to 540 days if the services were to be provided at a future date. So, for example, a holiday. 

I have been informed by the insolvency practitioners XXXX that all credit card paying customers should go to their banks for a refund. The XXXX Government backed XXXX XXXX XXXX are advising me to do the same via this letter XXXX : XXXX I have been informed by XXXX XXXX and the administrators for the company, XXXX, that I am not financially protected in any other way.

*I have attached a copy of the flowchart sent to me by XXXX - please see the red box in the bottom right corner clearly showing that US customers are not protected by financial failure insurance. 

*Please see the XXXX XXXX XXXX relevant to my booking that clearly shows that insurance was in place for XXXX  customers only I would like CITI to open my dispute and refund me, in accordance with the Fair Credit Billing Act. 

Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: Total Card, Inc.
State: NC

Complaint narrative:
ALL CREDIT CARD COMPANIES WERE PAID IN FULL EXCEPT FOR XXXX AND XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lending Club Corp
State: CO

Complaint narrative:
I have not been able to access my account to make payments or change payment information. I have contacted the company several times with a promise the technical support would call me to fix the problem. I have never received a call from technical support. This is not an issue with my password or user name. This is a technical problem with their website. Once I log in, the account link reroutes to a page to apply for a loan instead of to my existing account. 
Most recent phone call to have this issue fixed : XX/XX/2021 at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I purchased a car from XXXX in XX/XX/XXXX. They utilized Santander, an XXXX authorized lender, for financing. Not making enough money working XXXX, I fell behind in my $ XXXX  monthly payments. They repossessed my car in XXXX XXXX. 

Santander was sued by a group of Attorney Generals ' and a settlement was agreed upon. As noted in the press release, " The settlement resolves allegations that Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. Todays settlement stems from a multistate investigation of Santanders subprime lending practices, which began in XXXX. 

I meet the parameters for relief outlined in the Attorney General 's lawsuit yet, I was not included in the restoration of deleting the car from my credit reports nor refunding me the monies I paid in settlement ( {$5000.00} to XXXX XXXX XXXX ). I have called many times and all they continue to tell me that they do not know why I wasn't on the list.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fairway Independent Mortgage Corporation
State: ID

Complaint narrative:
My Laon Modification was approved XX/XX/2020 and was given 3 trial period payments. I made all three payments on time and my modification paperwork was filled out and notarized and immediately returned to fairway. I was told that all paperwork was received and that they were just waiting on the underwriter to approve. This was all in XXXX and I was informed that this process will take 30 days. It is now over the 30 days and I have been receiving weekly calls from my single point of contact XXXX. Every call from XXXX has been the same, informing me that there is no update and they are still waiting for the underwriter to approve. Fairway has had all of the approved information for months now and I am concerned that they are holding off the approval and waiting for interest rates to increase so that I will not switch lenders after the modification is approved and final. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; Have not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( MO ) 281 SW 715 791 I may presume that no proof of the alleged debt nor therefore if any such debt in fact exists. 
The is invalid, inaccurate, not timely and carry no documented evidence per FCRA laws and are damaging to me character, reputation and well-being by falsely stating this non-complaint unverifiable account on my consumer report. Past this point, CFPB will have authenticated sworn testimony from my end which I will gladly present in court as evidence if need be of me trying to rectify the subterfuge that you are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: NY

Complaint narrative:
EQUIFAX HAS VIOLATED MY PRIVACY AS A FEDERAL CONSUMER I HAVE NEVER GAVE ANY WRITTEN CONSTENT TO EQUIFAX TO REPORT ANY CONSUMER ACCOUNTS ON MY CONSUMER REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a debit card from Chase Bank to be activated on XXXX XXXX then on XXXX activityI received a letter from the bank that days that the account was blocked due to recent activity. 
I also called the bank today and also immediately after I received the card by mail. 
I reported it to the fraud department. they say that will open an investigation on this matter, because the suspect that this might be an Identity Theft. and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am not requesting the itemized bill, I am requesting an instrument bearing my signature. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. 

By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: NY

Complaint narrative:
I am a victim of identity theft

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 2021-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Altitude Community Law P.C.
State: CO

Complaint narrative:
I can only assume this is from Altitude Law they have left messages taped to my door at my home. The last one received stated will send a sheriff to deliver instead.

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 2021-07-31 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: NY

Complaint narrative:
I have a mortgage with Plaza Home Mortgage with loan # XXXX. I follow the instructions on their website. Their website recognizes the information of my loan and it forwards me to the servicer. The servicer yourmortgageonline.com does not recognize the information of my loan, so I can not make the payment. This may cause 1-2 days delay. They will not answer phone calls in the weekend. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This year i disputed with CFPB XXXX debt that Midland Credit bought from XXXX XXXX  and did not have any signed documents with me showing i owned the debt. It was removed from my credit file by Midland Credit. They have been calling my phone harassing and calling from goole number of all types of area codes. They are located in California and i did not acquire any debt in that state. They have hired a law firm in XXXX florida to fie a lawsuit in the state i live trying to sue me for XXXX because i ask them to proof 2 other debts they bought. This is an uneccessay filing and another form of harrassment and tactic to me as a consumer who has been out off work due to the pandemic and i have underlying medical conditions, which i wrote an explain to all the creditor i had signed contracts with. I am being targeted and harrassed by the company that i do not even reside in the state with calls and tactics, but they failed to provided anything in writing i have with them.This debt has been disputed and they still showed no proof this is my debt with CFPB. I want the CASE they had filed in my state drop and cancelled or dismissed. I will also be notifying the state of florida attorney general on monday. i have obtained a lawyer to counter sue if they fail to drop this case and or have it dismiss and leave me alone. case filed XX/XX/2021 Civil case # XXXX XXXX County and they reside in XXXX XXXX California.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-31 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: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX XXXX ). 
(  XXXX XXXX XXXX XXXX ). 
XXXX XXXX XXXX XXXX ). 
(  XXXX XXXX XXXX  XXXX ). 
( XXXX XXXX XXXX  XXXX XXXX ). 
( XXXX XXXX XXXX XXXX XXXX ). 
( XXXX XXXX XXXX  XXXX ). 
( XXXX XXXX XXXX  XXXX ). 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation