vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My name is XXXX XXXX, I'm a Citi bank credit card holder for many years. Citi bank sent me an invitation to open a Citi gold checking account. On XX/XX/2021, I open the Citi gold online and I transferred {$200000.00} from my XXXX  XXXX XXXX account. 

I received the debit card after a week, the card number is XXXX XXXX XXXX XXXX. Checking account number XXXX, saving account number XXXX. But when I tried to activate my card, I was told that the account was closed by fraud department I called the customer service and the fraud department a couple of times, they said they couldn't tell me the reason why my account got closed and I would receive my deposit by mail within 30 - 60 days, or I can go to a local branch and ask for a cashier check. 

On XX/XX/2021, I went to a Citi bank branch at XXXX XXXX XXXX XXXX, XXXX, IL XXXX regarding my deposit. The banker XXXX XXXX told me that theres nothing the branch could do because I created and deposited the money online. 

While I was in the branch, I called citibank fraud department and trying to let them talk to the branch to come to a mutual agreement because I felt that I was kicking around by the fraud department and the branch which none of them could help me. My XXXX is locked in citibank and I want to get my money back. 

This is very frustrating and inconvenient for me as I need my money as a down payment for my property in need. Nobody in Citi bank would like to help me out. I'm so disappointed with Citi Bank. They sent me invitations to welcome me deposit XXXX to their bank and locked it away from me. Without this money I cant pay my down payment, I will miss the house I love so much. Its so devastating, I will never use citibank again.

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 2021-06-08 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: United Revenue Corporation
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/21 I received an alerts from XXXX and XXXX that my credit had been run on Experian by XXXX XXXX XXXX. XXXX placed a fraud alert on my account and I contacted XXXX XXXX XXXX on XX/XX/21 and XX/XX/21 and they said they couldn't find anything. On XX/XX/21 I ran my credit report on Experian and was able to find the hard inquiry from XXXX XXXX XXXX. The Experian site says that hard inquiries can not be disputed online and direct you to a phone number, XXXX, that gives you the run around and makes it impossible to actually speak the " account specialist '' they direct you to call online. They essentially make it impossible to dispute the erroneous hard inquiry.

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 2021-06-08 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: AZ

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I am requesting that Barclay Bank waive/refund the late fee of {$29.00} incurred in XX/XX/XXXX due to what I believe are several system errors through no fault of my own. Barclay customer service advised that they never received a payment in XX/XX/XXXX. But I never cancelled any of my {$86.00} payments! I have included all the documents which prove the payments and transactions and errors. 
XXXX approved for Barclaycard Financing Visa for an XXXX XXXX purchased XXXX on XXXX website for {$1500.00} and I set up automatic payments 7 days prior to the due date for {$86.00} for 18 months on the Barclay Bank website. 
XXXX I decide to increase the payments to {$130.00} to pay the loan off early. 
XXXX **** This is the 1st system error occurred as I discover that the monthly payment doubled : Your scheduled payments of {$260.00} pays the minimum amount due of {$29.00} by XXXX XXXX document is attached. I write to Barclay : I just revised my monthly payments to {$130.00} per month ... this is now showing up as {$260.00} double what I authorized! Please correct this. 
XXXX Barclays claims my payments are only {$130.00} : Upon review, we can confirm that your account is currently enrolled in recurring payments. Our records show that your payments are set up for {$130.00} to be applied monthly on the payment due date. 
XXXX Because of issues with the Barclay automatic payment system I change the monthly amount back to {$86.00} with auto payment scheduled 7 days prior to the due date with screen clearly showing XX/XX/XXXX as the next due date. I receive a confirmation. 
XXXX XXXX This the 2nd system error. I receive an email that the {$130.00} has been cancelled. However - I never received any notification that Barclay had cancelled the {$86.00} payment for XX/XX/XXXX! 
XXXX I anticipate paying off the loan in XXXX as calculated via my auto payments but discover that the Barclay website shows that I owe a balance of {$200.00} rather than {$86.00}. I spoke with XXXX in Barclay customer service that my balance shows {$200.00} instead of {$86.00}. She verifies that 18 month payments of {$86.00} would pay off {$1500.00} by the last due date in XX/XX/XXXX. She discovers that there was no payment in XX/XX/XXXX and that I incurred a late payment fee of {$29.00}. Not good since I never cancelled any of my {$86.00} payments! Note also that the payments resumed in XX/XX/XXXX without any further action from me. 
I have gone ahead and paid off the {$200.00} balance and cancelled the XXXX {$86.00} payment. 
I request that the {$29.00} be refunded.

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 2021-06-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Back in XXXX of this year I filed my first around of disputes with XXXX and Transunion. The only one I got a response from was XXXX. In XXXX I filed a second around of dispute because the bureaus are not taking things off my credit that need to be that are seven years or older off my credit report. Now here I am three months later filing a complaints against them all because they arent doing their jobs. Please help with the matter and making them reply to my disputes that I filed.

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 2021-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
The company is coinbase. 

I submitted a ticket that my account appeared to have been hacked. Upon submitting the ticket they froze my account. I followed the steps to unfreeze the account at which time they told me due to the nature of my complaint they were taking further steps to look into it. My account has been deactivated since XX/XX/21 and I have not received any updates from XXXX I would like to withdrawal my funds but I can not access them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian will not fix my credit report. I have called - I have mailed a letter etc.. 

XXXX  and XXXX  both list the correct information that I filed Chapter XXXX Bankruptcy and my case is confirmed. 

I called Experian and was given an email to upload documents - this does not work - I gave the women on the phone my Bankruptcy Case number - and I explained that the 12 accounts listed on Experian should not be on my account. Stated could not help me I had to prove I was in banakrupcty. I told her that why did the other credit bureaus have the correct information - no answer.

I wrote a letter and called. the Experian report is 100 points lower for my credit score than the other two reports.

It is bad enough that I had to file bankruptcy due to a Health issue and loosing my job - but when you are trying to repair you credit and the credit bureau is making it worse.

Experian will not add the Chapter XXXX Bankruptcy and they are ruining my chances of even getting a secured credit card or a decent job.

My finances are effecting my car insurance - homeowners insurance and I am currently seeking employment and they are using Experian and the information is incorrect ( New Jersey ).

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 2021-06-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that National Credit Adjusters would verify the debt. So I took it upon myself to ask National Credit Adjusters for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Purchase agreement not compliant with agreed upon sales agreement/quote. Dealership ( XXXX XXXX XXXX  XXXX ) Finance dept. padded final purchase price and did not include agreed upon discounts. Exorbitant doc and 'other ' fees added to purchase agreement, and not as agreed. Advertising on back of vehicle not authorized. Buyer/Consumer never informed of manufacturer incentives and financing for which I qualified, due to prime credit score. Buying experience extremely unfavorable Dealership ( XXXX XXXX XXXX  XXXX ) engaged in deceptive, unethical, and fraudulent business practices ; including an excessively long purchase process. In dealership for more than 5+ hours after agreeing to automobile/price via email/phone. This resulted in Consumer/buyer paying appx. $ XXXX more than pricing agreed upon in sales quote.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Transunion isn't responding to my serious matter as i've written to them certified with no response under the FCRA this item shall be removed as in no response especially inaccuracies with no proof of validation. 

They didnt validate account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account 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 2021-06-08 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
XX/XX/2021 - I mailed XXXX, XXXX, and Equifax a cover letter stating the issue with not being able to get my credit score/credit report. XXXX Including every thing possible that I could think of ; so that they could verify my identity and fix their system XXXX XXXX  and XXXX  both responded by mail and fixed the issue on their end. I am now able to get my credit score/credit report - and I was able to create an online account on both of their websites. 

I never got a response from Equifax. 

After doing some research - I found Equifax 's fax number in a XXXX forum, where I found a lot of people who are having the same on going issue with Equifax. " Code NM : We can't locate a credit file for you '' I faxed Equifax my information on XX/XX/2021. 

XX/XX/2021 - Equifax sent a letter stating " We received your request regarding your Equifax credit file. However, we were unable to locate a credit file for you for one  of the following reasons : -You have not applied for credit recently. ( I have a credit card through XXXX  XXXX ) -You have not actively used credit in the past ten years ( again, I have a credit card ) -You have not lived in the United States or have not been issued a U.S. Social Security Number. ( I have a U.S. License ID, U.S. address, and a U.S. Social Security Number ) The letter also said to check with XXXX  and XXXX. 

XX/XX/2021 - I replied by fax, responding to their letter - and included both my credit reports from XXXX  and XXXX  - along with all my personal information again. 

XX/XX/2021 - Equifax sent me the SAME letter. " We received your request - we are unable - check with XXXX  and XXXX  '' - I've tried calling every number possible - you're lucky if someone answers and after talking in circles ... they hang up on you. XXXX  and XXXX fixed whatever the issue was in their system - why can't Equifax do the same? 

Instead - Equifax mails the same response over and over and over again. No matter how much information you give them to verify your identity - no matter how many times you fax, call, mail - They won't fix the issue! 

How can XXXX  and XXXX  have a credit file for me but, the main credit company out of all 3 ... can't??? Even after sending every piece of verification they ask for, PLUS anything I could think of that would help. 

This company is messing with my credit and my life. 


*I do not have any complaints with XXXX  and XXXX**

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: VA

Complaint narrative:
The company that services my mortgage, Home Point Financial, sent me links to a faulty website to upload HOA insurance information. The website simply does not work, and the servicer does not participate in any of the programs where they can verify that the HOA has insurance directly. I emailed them proof of insurance several times and received no response. I called, and regardless of how long I wait, can not get through to anyone. I request to schedule callbacks, and they never happen. I one time was able to get through to their insurance department by contacting another part of the company, and they verbally and by email confirmed receipt of my proof of insurance. I separately received a message from the main customer service section confirming receipt. I now have received a letter stating that they took out an insurance policy at my expense at a cost of {$4900.00} per year.

This company is at best incompetent and should not be managing federally regulated mortgages or at worst is part of a scam where they pretend not to receive information in order to funnel egregiously priced premiums at friendly business partners.

I strongly suggest an inquiry into this company 's practices and whether they have done this to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am the consumer and according to 15usc 1692 I do not own any debt because I am the consumer and Im not obligated to pay. Im a administrator and agent according to 15 usc 1602 ( o ). The social security card belongs to the social security administration I have to give in back at their request so there for Im just a administrative agent. I do not own it or any debt attached to it 18 usc 8 will provide that information for you I do not own that debt. I am the consumer I am the only that can validate a debt and that debt is not mine it is not true.15 usc 1681 a e states that you have to do interviews with my family associates and neighbors. Experian did not do that.

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 2021-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: F.H. Cann & Associates, Inc.
State: MI

Complaint narrative:
F.H. CANN & ASSOCIATES , INC. threatened to XXXX, and XXXX  my XXXX  if I didn't pay this debt, I ask them to submit proof that I owe this debt, I was told I would lose my job and they would take my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diverse Funding Associates LLC
State: MI

Complaint narrative:
F.H. CANN & ASSOCIATES , INC. threatened to XXXX, and XXXX  my XXXX if I didn't pay this debt, I ask them to submit proof that I owe this debt, I was told I would lose my job and they would take my home.

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 2021-06-08 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: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
Bridgecrest is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed this debt was reporting on there. This debt was paid off a while ago and they have not updated a single thing. I ask that they remove the balance from my credit file and stop affecting my credit.

Company response to consumer: Closed with explanation