vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Acra Intermediate Holdings, LLC
State: CA

Complaint narrative:
I received a phone call from XXXX, a rep of the Loss Mitigation department of my lender, Citadel Servicing Corporation, on XX/XX/2022, informing me that he had received notice from upper management that Citadel has finally signed up to participate in the California Mortgage Relief Program. 
I immediately contacted the XXXX rep and shared the great news and also requested for my application to stay active so that they could contact the servicer. 
However, on XX/XX/2022 I received another phone call from the same representative that advised me that Citadel has decided to not sign up for the program and therefore, my application will probably become inactive. 
Today, after numerous attempts to get a straightforward answer, Citadel 's Consumer Advocacy rep, XXXX XXXX XXXX, confirmed that the upper management at Citadel has decided to not sign up for the California Mortgage Relief Program. 
I informed Citadel that I will report this incident to multiple watchdog government agencies as this shady conduct from Citadel has become all too familiar. 
Furthermore, Citadel stated in a past correspondence that I owe about XXXX for the forbearance period I was placed under during the XXXX XXXX shut and lockdown. However, the correct amount for the XXXX months of forbearance I was approved for and also have a written contract for is {$50000.00}. 
Currently, I have sent in the Loss Mitigation Package for their review and am also actively working with a new lender to move my loan from this horrible banking institution. 
I have also requested multiple times in writing to please be informed on who is currently the owner of my loan. 
Unfortunately, I have not been given any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: GA

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-02-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have a charge card with Bank of Ameria and I have tried to dispute monthly charges of {$24.00} since XX/XX/2021. Due to the fact that I have had health issues to deal with since XXXX, it is recently that I realized I have been billed monthly. I have called the company to dispute the charges and they did look into my claim and came back with I had to pay the bill. This past month I have been talking with customer service and I am not getting anywhere. They say it is a company XXXX XXXX. I looked into the company on line and it is a Fraud Co. I talked with a lady at Bank of America charge company and said she would look into it. I told them it was a fraud company and she said they would have to turn the matter over to the Fraud Dept. and she would send me another card. I haven't received the card and they probably haven't canceled my card. I don't plan to use this charge card company in the future. I had not heard from them and I called again this morning and after long delays, I talked to one man and he didn't get back to me ; another man came on and said the company was XXXX and he would look into it. I went on line and that company has a bad reputation. I have not received any products or services this company. I wish to dispute the claims on my charge card bill. 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 2022-02-14 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: PA

Complaint narrative:
It has come to my attention that XXXX XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that Wells Fargo takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
It has come to my attention that XXXX XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: General Motors Financial Company, Inc.
State: WA

Complaint narrative:
I'm trying to buy my lease vehicle at end of lease. GM Financial will not give me an itemization of payoff amount so that I can obtain financing through another bank. They will only give the total payoff amount. The new bank needs itemization details about the payoff amount to finance the new loan. 
I talked to XXXX on XX/XX/22 and XXXX on XX/XX/22 at GM Financial. XXXX said she was sending me the information, however, when the information arrived, there was no breakdown of the total payoff amount. I called GM Financial again and talked to XXXX. He refused to give me the payoff breakdown. He refused to give me his last name, direct number, e-mail address or any other information so that I could call back to discuss the issue with him again after talking to my bank. He kept referring me to GM Financial XXXX number if I wanted to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: TX

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: World Omni Financial Corp.
State: SC

Complaint narrative:
I am now trying to get the loan over to my bank. They are ready to take the loan. They did a VIN search and the lender says XXXX XXXX. I have never even had a loan with XXXX XXXX. I can even get the car refinanced because the title search brings up another lender. 

I have emailed XXXX and it is no surprise I am not getting a response. 

I have never expected this experience from a dealer. This is unbelievable. XXXX has a 1-2 hour phone hold time and the phone hangs up. XXXX customer complaint line has a 1+ hour wait time. This is unbelievable! 

The time I have spent trying to correct these issues. I don't even know where to begin to get the lenders info off of my registration. I am paying XXXX. The VIN is connected to another XXXX partner called XXXX XXXX. I can even get the car refinanced. XXXX is not responding to my emails or returning my phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: TX

Complaint narrative:
I filed a dispute with XXXX on XX/XX/2021 on this account letting them know I have no knowledge and requested a full validation under FCRA Law and requested information on the company right to collect under fair credit and billing act. I have not heard back from XXXX. I have also filed a complaint with CFPB and no action was done. Please provide the requested information or otherwise delete the account. I am also looking into filing a complaint to the FTC and DOJ. 

disputed account XXXX  XXXX  Opened XXXX {$560.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 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:
I filed a dispute with XXXX on XX/XX/2021 on this account letting them know I have no knowledge and requested a full validation under FCRA Law and requested information on the company right to collect under fair credit and billing act. I have not heard back from XXXX. I have also filed a complaint with CFPB and no action was done. Please provide the requested information or otherwise delete the account. I am also looking into filing a complaint to the FTC and DOJ. 

disputed accounts XXXX  XXXX XXXX  Opened XXXX {$560.00} XXXX XXXX XXXX Opened XXXX {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: NC

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-02-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Lending Club Corp
State: WV

Complaint narrative:
Was informed from my credit report, someone fraudulently attempted multiple banks/credit unions loans. Contacted Lending Club Bank to report fraud. They stated since the application is pending theres nothing that can be done. Until I randomly check back days later to see if the individual got their loan on my name/social. I told them by then its too late the fraudster would have the money. They stated until the loan is approved they cant do nothing. I told them to stop the application its fraud. They refused. Also this bank is listed twice on my report with two different branch addresses. They confirmed they own both branches. My credit report show two different accounts attempting to open by both of their branches.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: WI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score oveXXXX XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 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: WI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXXXXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: AL

Complaint narrative:
When i purchase credit monitoring services, I never can get my equifax credit score. That section will just be blank. 

I double checked to make sure the name they have in system matches up correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I graduated college in XXXX and knew I would be out of the country for the next 7 years. I called my student loan servicer ( Great Lakes ) and asked what my best option for the next 7 years would be seeing as I would have no job and I would be unable to communicate. I was told my best option was forbearance ; that is what I did. During the 7 years they had communicated with my mother ( who I gave power of attorney to ) and my loan has been going to forbearance and out of forbearance and the back to for forbearance ; at which time my interest would capitalize and be added to my principal. Finally, in XXXX I was put on IDR, which is what I should have been on this whole time. Unfortunately, my capitalized interest currently is close to {$11000.00} and my loan which initially was {$31000.00} is {$45000.00}. I understand that I have a huge responsibility to take on this, I was XXXX XXXX XXXX and I just went with what the loan advisor told me was best option instead of what I am doing now, which is research everything and finding out what is actually best ; but there is a level of frustration that comes with knowing that they were easily willing to capitalize my interest without letting me know that it was not my best option. They state that they let my mom know about IDR and I cant say one way or the other about that but I specifically called and asked what is my best option here and to suggest forbearance knowing I would be unemployed for XXXX  years XXXX dont know if I have the right words for that. I know I cant go back and change anything but I honestly dont want this to happen to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Someone has stole my identity and is opening accounts in my name with TD bank, XXXX, and XXXX Bank.

Company response to consumer: Closed with explanation