vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, noncompliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I recently recently mailed a letter of settlement towards American Express for an unauthorized inquiry to my consumer report. Today i received an email from them, saying to contact their customer service department because of the sensitive nature of my requests ( which were DEMANDS not requests. I stated the law and how my demands are backed up by the federal law and congress Title 15 Chapter 41. They did not care, they continued for 40 mins denying my rights, and saying that AMEX does not do settlements. They are in violation of the Fair Credit Reporting Act 15 usc 1681, for unlawfully obtaining my XXXX  consumer report onXX/XX/21 without my authorization or a permissible purpose under the FCRA. As a result of that they are liable for damages stated in 15 usc 1681n ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: CA

Complaint narrative:
The account information was disputed based on Date of delinquency, Date of last payment, Date last active which by XXXX does not match. I disputed the information with XXXX and Transunion and the investigation by XXXX came back to the credit bureaus that the account information is accurate. I live in CALIFORNIA and this information is inconsistent under the CCRAA. 

FCRA 623 and FDCPA 806 ( b ) Maximum Possible Accuracy state that the creditor MUST enter a notice of dispute.If this is not entered the account can not report on the account XXXX p. 2-2 Industry Reporting Standards '' All accounts must be reported on a monthly basis. '' The creditor XXXX did not update the account status as " disputed '' while I was shopping for a new home at which time I was denied a mortgage loan. 

FDCPA 809. Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

This account should no longer be reporting because of the violation of my consumer rights under the CCRAA and the Rosenthal FDCPA

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 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I recently read through a copy of my credit report and I saw addresses on there that are not correct. Also, I would like for you to correct the spelling of my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp
State: CA

Complaint narrative:
I was an investor in Lending Club. I stopped funding my account with about two years ago. During that time I was able to transfer funds out as they were recovered. After 6 months of inactivity Lending Club then forcibly closed my account. I was told at the time when they closed the investor account that recoveries from charged off loans would be periodically sent to me via a check when the funds reached a certain level. ( They did not specify what that amount was. ) I am now receiving emails from them every few months that there is at least XXXX in my account from recoveries. I have emailed them at least 4x since the most recent email on XX/XX/2020 and received NO RESPONSE or reply since beyond an automated reply telling me that they received my email. 

I am requesting that they send me a check for {$100.00} to close this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have a mortgage with PNC bank, who has misapplied my payments on several occasions. They continue to say I owe large amounts of money that I paid. They are not adding up the right amounts and keep taking out the wrong amounts. I have been transferred and feel as though I am being treated this way because I am a Minority. I have called up to seven times in one day and have not received any help. This can not be legal or ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: GA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020, I sent letters to the corresponding major credit bureaus about inaccurate reporting false items on my credit report. It's been more than 60 and I haven't received a response from them yet. I feel like I'm being ignored of my disputes. These are deceptive practices by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX employee that works for Regional Acceptance keeps calling me with repeated calls every day after I tried to make payment arrangements with him on XX/XX/2021. He's even called my mother and daughter trying to locate me when he does have my phone number to get intouch with 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 2021-02-02 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: CA

Complaint narrative:
Credit card company continues to decrease my credit limit while I'm not using my cards but paying them down. I'm 100 % on time with all of my creditors. I made a larger payment on both of my citi bank cards and a couple days later my limit was decreased for the 2nd time. This is unfair to decrease individuals who are being responsible and not using their credit. It makes it look like one has maxed out their cards when they haven't. It's covid19 and people are struggling but decreasing ones limit damages their credit score. I still have my job and making on-time payments. I do not want this to damage my good credit.

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 2021-02-02 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations

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 2021-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I HAVE BEEN MAKING MY PAYMENT EVERY MONTH ALSO HAVE MADE PAYMENT 0F XXXX AND XXXX IN 2018 THAT THEY CLAIM I OWE REGARDLESS OF WHAT I PAY THE LOAN AMOUNT DO NOT DECREES AND PAYMENT DUE ALWAYS INCREASE AND THEY TRYING TO REPO MY CAR LOAN WAS XX/XX/2018 PAYMENT WAS XXXX MONTH I HAVE CONTACT THEM ASK THEM TO CORRECT THE PROBLEM AND A EXPLANATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
Several times over the past approximately 5 years navient has texted me statements saying that I can easily take care of my problem with a forbearance by just clicking yes here or typing yes here and sending it back to them. Made it seem like this was a very simple fix and did not at the time specifically offer income-based repayment plan. Feel like they purposely made it very easy to just type in yes send it back for forbearance which causes my payments in the end to increase over interest still necessary to pay during the forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Broward Adjustment Services
State: FL

Complaint narrative:
Didn't find reasons for injuries, and over billed for services not needed. Injury due work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My mortgage was transferred to NewRez. When the loan was transferred it included an escrow account for taxes and insurance, which I am still paying into. I recently received notification that they did not have proof of my homeowners insurance and when I called to verify, was told that neither my insurance or property taxes were to be paid from the escrow account. I must now deal with a loan servicing department, which can not be reached by phone, to send a formal request for them to pay for my insurance and taxes out of that escrow account. Additionally, the customer service people I spoke to were from a company called " XXXX '', which is not the name on my mortgage statements. This all seems shady and I have no recourse since I can not choose who services my loan. I feel like I am being scammed into overpaying for homeowners insurance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank reduces next day Institutional Transfers to ones External Accounts from XXXX to XXXX XXXX XXXX REDUCTION!! 


Dear Consumer Financial Protection Bureau, I just found out that Citibank has reduced their next day Inter Institutional Transfers to ones External Accounts have been lowered from XXXX  to XXXX} until further notice. That is a XXXX XXXX REDUCTION! This just happened recently and I believe it is due to the whole XXXX shorting saga. What this policy can do is put the individual investor behind the 8-ball because they may need to move their money into their brokerage accounts to cover their trades. Citibanks standard service takes 3-5 days that is longer than the 2-day settlement date one is given to settle their stock trades. I also ask you, What good is being able to transfer only XXXX  a day? 

These are the messages that is posted once you sign into your Citibank account : - Effective immediately, as a security measure to protect Citibank accounts, the limits for next day Inter Institutional Transfers to your External Accounts have been lowered to XXXX until further notice. You can continue using the standard service to transfer to your External Accounts for amounts greater than XXXX 


When taking to a Citibank representative, these were their responses : - We never intent to upset our customers however it is applied to secure the fraud transactions.. 

- It is to protect Citibank accounts from a heightened risk of fraud, I am sorry for any inconvenience this has caused to you - It was initially XXXX using next day service now it was lowered to XXXX whereas standard transfer is still same with limit of XXXX - As an enhanced security measure and to protect Citibank accounts from a heightened risk of fraud, the limits for next day Inter Institution Transfers were lowered. You are still able to send IIT 's with a higher amount using the standard service. 

- However this change was made to all our customers however you can still transfer through standard transfer type for XXXX per day and monthly limit is XXXX I think that this seems like something to look into.

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 2021-02-02 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: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquiry : XX/XX/XXXX, JPMCB - CARD SERVICE Inquiry : XX/XX/XXXX, XXXX XXXX - XXXX Inquiry : XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
Hello my name is XXXX XXXX and my ex husband was receiving my unemployment benefits since XXXX and Im trying to get what I am owed. They told me to put up a couples of pictures to verify some things. Its for the XXXX card. He received everything and I didnt I have proof.

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 2021-02-02 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: FL

Complaint narrative:
On XXXX i sent in letters regarding inaccurate reporting false items on my credit report and i have not recieved a response yet i feel like im being ignored of my disputes. This deceptive practices by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
In late XX/XX/2020, I received emails from Citi with the offer of 5 % cash back on up to {$500.00} of online purchases from the day of enrollment through XX/XX/XXXX XXXX XXXX Monday XXXX. I clicked through the link to enroll three of my Citi credit cards in this offer. 

On each of these cards, I made the following online purchases : Card ending in XXXX .. purchases from XXXX XXXX {$300.00} Card ending in XXXX .. purchases from XXXX totaling {$300.00} Card ending in XXXX .. purchases from XXXX totaling {$500.00} These purchases are all labeled as XXXX in my XXXX, making it clear that they are indeed online purchases that should qualify for the offer. All purchases were within the correct time window. However, I received the following cash back bonuses XXXX XXXX : {$2.00} ; XXXX : {$3.00} ; XXXX : {$5.00} XXXX instead of the correct amounts, which would have been {$15.00}, {$15.00}, and {$25.00}, respectively. In early XXXX, after the incorrect statement bonus amounts posted, I spoke with Citi chat. The representative I spoke with confirmed that my purchases within the correct time and that my cards were enrolled in the offer as described. They stated that they would escalate my issue to customer service, who could resolve my issue. However, I received a letter within a week denying my request. 

Following receipt of this first denial letter, I called Citi customer service in late XXXX to clarify the reason my request was denied. The kind representative I spoke with agreed with my confusion and stated that the credit bonus amount should have been as I have described above. She stated that she would escalate the issue and submit a dispute on my behalf for the additional bonuses to be credited. However, at this point, I have now received a second letter from Citi denying my request for a second time. This is false advertising, as Citi is not fulfilling their offer as promised.

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 2021-02-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX my bill did not go through account with 1 missed payment. I am kindly requesting CAPITAL ONE / SAKS F ( Opened XX/XX/XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items within 30days fives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands

Company response to consumer: Closed with explanation