vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi promised a XXXX bonus, but only credited my act. for XXXX. I opened a dispute on XX/XX/XXXX and was told it would be resolved within 5 business days. I called back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX only to be required to open a dispute again. It has taken hours to get this resolved with no end in sight. Many calls are dropped while waiting for a supervisor, and customer service has no answers. I followed all requirements and Citi 's own customer service representatives agreed yet only 50 % of the promised bonus has been credited. It is difficult to hear the rep 's who are primarily located in the XXXX, and there are no U.S. representatives, so communications are difficult at best. Citi Bank currently has a 1.2 star rating out of 5 with 94 % 1 star on " XXXX XXXX '', many many angry consumers coming your way, now do something.

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 2023-01-05 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account # 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 fumish a account without my written instructions 15 U.S.C 1681 ( b ) states I have not given my written permission to this creditor to access my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Good day Sir/Ma'am. I am writing today as I am at an impasse with my lender Freedom Mortgage. We have a difference of opinion as to how 12 CFR 1024.17 ( f ) ( 2 ) is applied. The escrow analysis that I have been provided with states that I should be paid back any surplus over {$50.00}. According to 12 CFR 1024.17 ( f ) ( 2 ) ( i ) this is exactly what should happen. Yet {$2000.00} was held in reserve. My escrow account was overfunded by {$5000.00}. At no point was there a deficit. Additionally, all of my payments were made on time which satisfies 12CFR 1024.17 ( f ) ( 2 ) ( ii ). In satisfying this part, they are prohibited from keeping any portion of our surplus as recompense for late payments. Freedom Mortgage claims that the Real Estate Settlement Procedures Act ( RESPA ) requires them to maintain a minimum amount. Unfortunately, this is incorrect. RESPA does not define a minimum account level. RESPA provides guidelines that are rooted in the CFPB regulations. These are the same regulations that I have referenced throughout this complaint. Furthermore, RESPA references 12CFR 1024.17 as a guide to the maximum that may be paid into an escrow account. Per 12CFR 1024.17 ( f ) ( 2 ) ( iii ) we have not entered into an agreement to create, nor fund such a surplus. I have called numerous times to point out the regulations that I see as having been broken. During these calls, I ask them to reference their actions in the CFPB regulations and they can not. I think the mistake they are making falls under the provision of 1024.17 ( c ) ( 1 ) ( ii ). This references the specific maximum that may be paid into the escrow over the course of the year. The key term here is " Paid ''. Under this provision, they may create a cushion by way of monthly payments, not by holding back my escrow surplus. As I see it all three paragraphs in 12CFR 1024.17 ( f ) ( 2 ) have been violated in some way. In summation, I believe 12 CFR 1024.17 ( f ) ( 2 ) ( i ) has been violated in that any surplus over {$50.00} was not paid back to me. I believe that 12CFR 1024.17 ( f ) ( 2 ) ( ii ) has also been violated as no triggering event in this part has been infringed upon, which would allow them to keep my surplus. Finally, I believe 12CFR 1024.17 ( f ) ( 2 ) ( iii ) has been violated in that we have come to no agreement regarding any surplus to be placed into this year 's escrow account by way of keeping my surplus from last year I would certainly appreciate any help that you may be able to provide. I'm not sure what else to do.

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 2023-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MO

Complaint narrative:
Account was charged after being closed. Reached out to XXXX XXXX XXXX to resolve the issue and got no resolve. Also the company is not licensed to collect in Alabama nor Missouri.

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 2023-01-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
all account were paid off in full with all payments on time

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 2023-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On XX/XX/XXXX I paid off my new car loan with Kia Motors Finance with a {$2000.00} overpayment. Kia Finance acknowledged receipt of the {$2000.00} overpayment. Since that date I have called them on at least 20 occasions, each time I get a completely different story. On XX/XX/XXXX I was told the check was in the mail and was given a tracking number, but never received a check. I never received the check and when I called I was told it was never mailed out. In XXXX I was told I had to prove I made the {$2000.00} overpayment. I e-mailed the electronic statement from my back to Kia Finance showing the {$2000.00} payment. On XX/XX/XXXX I was told the refund was approved and when I called today, XX/XX/XXXX, I was told it had not been approved. Kia Motor Finance, XXXX XXXX XXXX XXXX, XXXX XXXX, California 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 2023-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX. 

I am requesting that your company please forward me a copy of the XXXX that was issued by your company when you charged this debt off with the IRS which is required by law. 

Please also enclose a printed copy of my payment history. Please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard XXXX mail at my home address listed above. 

If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5 business days of the written confirmation. 

Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reached out to Transunion about two Inquiries XXXX XXXX and XXXX Bank in which was identity theft. I ask them to delete and they refused even after sending the agencies Fraud report. I am asking for the removal off my credit asap.

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 2023-01-05 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: CA

Complaint narrative:
Hello I've disputed fraudulent accounts, inquiries and personal information multiple times with the bureaus without a proper or fair investigation. Its been six months and I need these items that I have disputed removed from my credit reports immediately.

Please see the letters, ftc report and my ID attached to this complaint. 

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 2023-01-05 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: FL

Complaint narrative:
I tried disputing items from my report. i have not received any update

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 2023-01-05 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:
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. 

Account name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX  Account number # XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX  Account numberXXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number XXXX and XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX, XXXX, XXXX, XXXX, and XXXX Account name : XXXX XXXX XXXXXXXX Account XXXX Account name : XXXX XXXX XXXX Account number : 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 an 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 conviction 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 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 2023-01-05 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: Credit Technology, Inc.
State: CA

Complaint narrative:
I have repeatedly spoken to the fraud dept. with XXXX XX/XX/XXXX and XX/XX/XXXX and explained to them that the inquiries on my credit file are unauthorized and I requested that they be removed. I don't have any knowledge or business regarding those company inquiries and I explained this to XXXXXXXX XXXX fraud dept.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Sunlight Financial LLC
State: IN

Complaint narrative:
Had Solar Panels put on my house a year ago and the company went out of business leave me to pay over {$60000.00} for a system that is still not up & running can I please get some help to fix their wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: OK

Complaint narrative:
Equifax The following companies have not validated or provided proof of debt. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( 3 Accounts ) XXXX XXXX XXXXXXXX XXXX The following credit inquires were never authorized 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 The accounts that i have mentioned that have not been validated have been passed the 30 to 45 day window and need to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act Equifax has violated my rights. Equifax is reporting 3 XXXX XXXX charge off accounts which is a violation of 15 USC 1681 E and 15 USC 1666 Correction of Billing Errors. The account have been charged off since XX/XX/2018. I have requested this consumer reporting agency to remove these accounts and they have refused. 

15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent.

15 USC 1681 E Compliance Procedures states for a consumer reporting agency ( CRA ) to assure maximum possible accuracy in its credit reports.

15 USC 1666 Correction of Billing Errors states A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement It has been over 30 days without any response from equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: CLGF Holdco 1, LLC
State: CT

Complaint narrative:
Over the period of several months I did have financial difficulty in making payments on my Milestone Card but I did attempt to make several payments with an agent. During this time, it appears the agent captured the incorrect routing number or account number when I made the payments which resulted in late fees. I called Milestone on XXXX to make a payment as the account was past due and the agent assured me there would be no negative credit reporting by making the payment that day, which was a lie. I recently became aware there was late payments reported to the credit bureau despite my attempts to make payments on XXXX and prior. In addition, the agent did not capture the correct account information to take the initial payments. This negative credit reporting has caused me to be declined for a mortgage and I lost {$500.00} paying for an appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX/XXXX/2023, I was notified by email that my XXXX credit file had a new Hard inquiry from JPMCB in reference to a new credit card application. I did not initiate any such application. I contacted XXXX first and disputed the item. They filed my dispute and directed me to contact this website as well as the Creditor, JPMCB. I called JPMCB, verified my identity and reported the fraudulent activity. They accepted my dispute and will take actions to remove the inquiry. I am reporting the fraudulent inquiry here to further document this criminal activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05 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: Premium Credit Bureau
State: FL

Complaint narrative:
Spoke to the owner - informed him about the hard inquiries and explain that he only ran my credit XXXX time. I explained that their are XXXX hard inquiries, he said he will call be back. I left him a message, that I wanted a refunded for his services and to remove those inquiries since I didn't give them any consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: CA

Complaint narrative:
Hello I've disputed fraudulent accounts, inquiries and personal information multiple times with the bureaus without a proper or fair investigation since XX/XX/2022. Its been XXXX months and I need these items that I have disputed removed from my credit reports immediately. 


Please see the letters, ftc report and my ID attached to this complaint. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05 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: CA

Complaint narrative:
Hello I've disputed fraudulent accounts, inquiries and personal information multiple times with the bureaus without a proper or fair investigation since XX/XX/2022. Its been XXXX months and I need these items that I have disputed removed from my credit reports immediately. 


Please see the letters, ftc report and my ID attached to this complaint. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I took out a loan with TD Auto finance in XX/XX/XXXX. I have made my payments on time. My payments were {$390.00}. I often paid more than my {$390.00} payment. In XXXX TD Auto Finance reduced my payments to {$190.00}. At first I continued to pay {$390.00}. and called the company to see why my payment amount had changed. I spoke with a XXXX who told me that I was over paid on my account. I initially wanted to continue to overpay at {$390.00} but I wasn't seeing the amounts that I was paying reflected in my bill. I started paying the amount that they billed me and they are now telling me that yes they changed the payment amount but I have to pay my original amount even though I am overpaid and don't see a reduction in my bill that matches how much I paid over my bill amount. The company has called me repeatedly for weeks, texted me and they are telling me that I have defaulted on my loan. I am paying the amount that they are sending me to pay each month. I can be reached at XXXX. I want to talk to a person and explain. 
Sincerely. 
XXXX XXXX

Company response to consumer: Closed with explanation