vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-17 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: PA

Complaint narrative:
There is a fraudulent inquiry on my credit reports, thats reporting on XXXX and TransUnion from XXXX XXXX. Theres a Fraudulent collection account reporting on my TransUnion as well called XXXX 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 non-monetary relief
Consumer complaint received 2023-03-17 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Certus Capital, LLC
State: NY

Complaint narrative:
We are first-time homeowners. 
We used Certus Capital , LLC, a mortgage broker. 
Because this was done with a VA loan, it was very hard to find a place that would accept us. When we finally found a place, we contacted this man, who said that this process was very tedious and that he would walk us through it. Upon the first meeting, he informed us that in the worst-case scenario, our mortgage would be XXXX per month..again, worst-case scenario. 
We should have known he wasn't trustworthy when lied to us about the assessment. We were frustrated at the lack of response from the other party so we wanted to back out of the deal- but he told us that the assessment came back over XXXX what we were paying, he told us we really shouldn't let this property go. When we asked for the papers, he wasn't responsive and at that point, we were just so eager to move because we had to leave our other place. He led us to believe that our property was worth more, and we trusted him. After asking him for the assessment many times, he finally gave it to us begrudgingly, and the number he had told us was a lie. He got very angry with us, that he had made an honest mistake... but we were a few days away from closing. 
He told us that we would lose all of the money that we had put for the down payment and that it was too late to back out. We were afraid to lose our XXXX so we continued, although we were weary. 
Now our payments come in at $ XXXX. After the first bill, our mortgage bank changed. We were also just sent a letter saying that we owe money from an escrow account. We are struggling every month to make payments, we're afraid we might lose our new home. We feel that there were some unethical things that were done. Please help us. I think he charged us a bunch of hidden fees, we'd like for someone to please look it over. 
I appreciate your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Someone applied for an unlimited cash rewards Visa card from Bank of America in my name. I have tried calling the bank to report. I don't know what to do next.

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 2023-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have a XXXX APR balance transfer on my citi custom cash card ending in XXXX. I make enough payments to cover the minimum plus the purchases accrued over the month, I wait for the payments to settle before paying the card. My initial balance transfer was {$6600.00} on XX/XX/XXXX, it has been reduced to {$4900.00} as of XX/XX/14, while my purchase APR has gone from {$0.00} to {$760.00}. I make more payments that purchases each month, yet that amount has continued to creep up. You can see the discrepancy begins in XXXX. 

I am intentionally trying to not pay down the XXXX APR balance and only just cover the purchases subject to the higher interest rate. According to how I paid it down, I understood that I should have about {$6300.00} still at XXXX APR. 

I have been hung up on multiple times when speaking to customer service regarding the issue. I'm told they will check with their coworkers, as there appears to be an issue, then I am left on hold and they hang up eventually I believe Citi is prioritizing paying down the balance transfer instead of purchases, and then charging me the high interest rate on purchases.

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 2023-03-17 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: MS

Complaint narrative:
Inquires were submitted in my name without my authorization. Personal Statement Someone has sent in fraudulent applications for credit using my name on loans and some credit card. This is very scary knowing things are being processed in my name with my knowledge. These are the following companies that ran my profile. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inquires were not made by me XXXX! And I have not given any autorization for anyone to do so. As of today I will be contacting the three major credit companies to place a lock on my credit file. Someone has placed fraudulent activity on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had a repo back in XXXX thru XXXXXXXX XXXX and every month since then they update it and report it as a new repo. Every month it causes my score to go down. I disputed it and all 3 corrected it for the month of XXXX causing my score to go up alot. But XXXX reported it again as a new repo so back down it went. I can't dispute it because the system won't let me because I disputed it once already. Not to mention XXXX bank sold my truck to an employee / member instead of sending it to auction where I know it would have went for far more then they sold it for. Then they turn around and have been charging me interest and late fees on top of interest and late fees.

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 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have loan with XXXX. I have always made my payments on time. Ive contacted the company about the issue & continue to fail to provide me with verifiable proof. Ive disputed it with all Equifax and XXXX credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & I, d like this matter handled ASAP. Please update to paid agreed/never late. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE CARRIED OUT MANAGEMENTS WITH THE CREDIT AGENCIES FOR ACCOUNTS THAT ARE NOT MINE AND I AM WORRIED THAT THEY STILL HAVE CREDIT AND I HAVE NOT RECEIVED LETTERS, I request the removal of these accounts that are affecting me and are not mine : XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX  ACCOUNT NUMBER XXXX XXXXXXXX XXXXXXXX ACCOUNT NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: ND

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following creditors have violated my rights. 

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 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 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have loan with XXXX. I have always made my payments on time. Ive contacted the company about the issue & continue to fail to provide me with verifiable proof. Ive disputed it with all XXXX and Transunion credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & I, d like this matter handled ASAP. Please update to paid agreed/never late. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

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 2023-03-17 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: CITIBANK, N.A.
State: MD

Complaint narrative:
Under 15 US Code 1681e ( b ) and 15 US Code 1681i ( 5 ) this account listed below is in violation not reporting 100 % accurate it lists. I have not given written permission for this debt to be shared with any other 3rd party. 

Account Name : Macys/Citibank Account 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 non-monetary relief
Consumer complaint received 2023-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: ME

Complaint narrative:
PHH acquired the servicing of my mortgage on XX/XX/XXXX. My homeowner 's insurance renewed on XX/XX/XXXX. PHH notified me that my insurance had expired, despite renewal with the same insurer XXXX XXXX XXXX ). I've placed four calls to PHH to attempt to resolve this issue so that they don't force place an unnecessary policy. The first resolution method provided by PHH was to upload my new binder to XXXX XXXX XXXX This website didn't work when I tried it on two different computers, using two different browsers. When I contacted PHH, they provided me with an email address to email the insurance. When I tried that, I received a bounce-back nearly 24 hours later stating that there was something wrong on the recipient end.

I want this issue resolved, but none of the resolutions work, and I no longer wish to run in circles. I've been reasonable in trying to accommodate their request, and have spent more than enough time to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP
State: OH

Complaint narrative:
Key bank closed my account on XX/XX/23, I did not request them to close it, they did it on their own. 
I had {$950.00} on that day and Key has held that money since then. 
I've spent over 2 hours on the phone with them trying to solve it, after a week, they sent me a form that had be taken to the bank, but, to my surprise, the branch that I visited at XXXX XXXX XXXX XXXX OH XXXX couldn't give me my money back, I signed the form in front of one of the branch managers, she notarized it, but she had to return the form to a different department and I've been told they mail me a check. 
Well, another week went by and no check has arrived. The lack of consideration/customer service is just absurd, the bank has held my money for over a month, I am sure they will not pay interest and they don't communicate properly. 
I am sure I am not the only customer suffering with their lack of customer service ... during these days when banks are struggling, Key Bank is finding 'creative ', illegal ways to improve their liquidity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: RI

Complaint narrative:
Approx. XX/XX/XXXX, XXXX XXXX XXXX XXXX, a collection agent for XXXX negatively affected my credit rating by reporting to the major credit bureaus an account balance for services sold by them in XXXX, IL allegedly to me. I disputed the debt at that time and that negative report was deleted. 

Then in XX/XX/XXXX, IC System, yet another collection agent for XXXX sent me a collection notice for the exact same debt. I denied that it was my debt or had anything to do with me and asked them to provide me with documentation verifying the debt which has not been forthcoming. I have never ever lived in XXXX, IL nor had any account with XXXX. IC System or XXXX never provided me with any proof that the item was my debt. I have never asked for services from XXXX, never lived in IL, never signed a work order of any kind and definitely will state that there is nothing in existence that XXXX can produce that will verify their alleged debt. What they sent me is attached and is not in fact " verification of the debt '' under the Fair Debt Collection Practices Act. It is merely a copy of an invoice made out in my name at the Illinois address. 

Once again, in violation of the Act, and in what I consider is attempted harassment and intimidation, XXXX through its agent has again negatively impacted my credit rating with the major credit bureaus by reporting this as a uncollectible bed debt under my name and social security number. 

My name is fairly common around the world. I have been a businessman in RI for at least three decades. I have multiple professional licenses in RI and NY and have an exceptional credit rating. I have nothing to do with this debt and XXXX and their various collection agents need to stop this practice of harassing and attempting to intimidate unrelated third parties without verifying their own facts first.

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 2023-03-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX of XXXX, my dad filled out a scam email that appeared to be from Citibank. He provided account information that was used by the scammer to initiate 4 unauthorized wire transfers ( of {$79000.00} each ) totaling to {$310000.00} out of his account. We were made aware XX/XX/XXXX that this happened and told the bank immediately that it was fraud. 

We did not receive a decision from Citibank until 7 months later, telling us that they can not give us the money back. They failed to inform us in a timely manner and when my dad went to the bank to try to report it, an employee thought the email was real and told him not to. We have tried appealing this over and over with no luck.

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 2023-03-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/ - end of cycle for this Sychrony ( Amazon ) credit card, I updated my auto-pay from " statement balance '' to " minimum balance ''. Their system showed my scheduled autopay as updated from {$550.00} to $ XXXX. 

I then added a manual payment of {$350.00}. 

Their system showed two pending payments of ~ {$30.00} and {$350.00}. 

They then processed a payment of {$550.00} and {$350.00}, overdrafting my account and costing me multiple overdraft fees and putting my credit card balance - {$240.00}. 

Their system did not display the correct amount, and they are only willing to mail me a paper check to refund the negative balance several weeks from now.

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 2023-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: OR

Complaint narrative:
I purchased a {$100.00} google play card at XXXX store in XXXX XXXX Oregon but I couldnt use the card cos I get an error code whenever I try to redeem the card needs more information. 
Date : XX/XX/2022 Amount : {$100.00} google play card Company : google play card I contacted google but few days later I got a response like appeal isnt eligible I need my card activated for use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, from XXXX XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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