vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I was offered a BestBuy Credit Card on XXXX XXXX  with a credit limit of {$2500.00}. 
and The Home Deport Credit Card on on XXXX XXXX XXXX. I was making payment till I lost my job. Then I fell behind in payments. 

I reached out to the bank to negotiate settlement, but the bank refused to respond to my letters. I have tried several times without success. I send letters via USPS certified mail to negotiate settlement, but the Citi Bank N.A. will not respond. There are proofs that the letters were delivered. See attached. Now they send multiple Attorneys and
Collection agencies to harass me. Several agencies claim the same account has been assigned to them. I do not know if they are scams or not, because the Citi Bank NA will not respond to my letters. See attached. 

Citi Bank has not informed me that the accounts have been sold or assigned to any debt collector agency. There is no document to show that the accounts were assigned to any of these collection agencies. So, I do not know whether these collection agencies are genuine or scammers. 

I have also found several irregularities on the Credit Card applications and account statements which might be violation of Federal Laws : 1. The Loan application shows that my annual income was {$7000.00} ( XXXX  XXXX XXXX Dollars ). How was I approved for a credit line of {$2500.00} ( XXXX XXXX XXXX XXXX dollars ) with an annual income of of {$7000.00}? 
Ability To Repay ( ATR ) was neglected. 

2. Interest and fees were capitalized to capital balance and interest charged on the balance thereby charging interest on interest and fees. This is compound interest which I believe is illegal. 

3. At a time when the Credit Card utilization was at 85 %, the bank increased the credit limit by 44 % without my request for increase of credit limit. Please see more details attached.

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 2021-08-30 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: MI

Complaint narrative:
So I checked over my report and I noticed these accounts posting with all different dates balances, & amounts I seem to feel like this is very inaccuate and goes against some laws like the Fcra section 609. I contacted the creditors and bureaus regarding these inaccuracies after 3 months they still have not responded back to me about it I need to get this removed off my credit ASAP. 

Accounts : XXXX XXXX XXXX XXXXXXXX XXXX EquifaxXXXX XXXX XXXX XXXX Equifax XXXX  XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX  XXXX XXXX XXXX Equifax XXXX  XXXX XXXX XXXX XXXX XXXX Equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: MI

Complaint narrative:
So I checked over my report and I noticed these accounts posting with all different dates balances, & amounts I seem to feel like this is very inaccuate and goes against some laws like the Fcra section 609. I contacted the creditors and bureaus regarding these inaccuracies after 3 months they still have not responded back to me about it I need to get this removed off my credit ASAP. 

Accounts : XXXX / XXXX  XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX / Exp XXXX XXXX XXXX XXXX XXXX XXXX / Experian XXXX XXXX XXXX / Experian XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX  XXXX XXXX XXXX experian

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 2021-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I contacted the creditors & bureaus regarding these inaccurate inquires on my report. I have not gotten any help I keep calling and calling getting the run around its been months I need this removed ASAP going against my rights I dont even have accounts with these inquires man.

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 2021-08-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Nothing significant happened in my credit report, but Experian dropped my score 56 points! Prior to that they dropped my score by 27 points with no significant info on my report.

I called Experian and was put on hold, then transferred around to three different people, then the third person hung up on me when I said please do not read my credit report to me, please explain why you dropped my score so significantly.

These dropping of my score have lowered my score below XXXX, disqualifying me from refinancing my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have sent two previous letters to Credit Bureau, all by certified mail ( receipts enclosed ) requesting that Credit Bureau remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that this account is inaccurate and that Credit Bureau violated the Fair Credit Reporting Act by ignoring my requests to investigate the item. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and this reason was not frivolous in any way.

I will file a civil suit in my county for damages and Credit Bureau can travel to defend yourself. 

XXXX XXXX XXXX NEVER 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 2021-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
So the XXXX of XX/XX/2021, I Received a phone call when I heard the voice with accent I hang out, then was a second call and the person on the phone told me his name and that he was calling from my bank to confirm that I was on vacation in another state l said not Im not then he said their trying to used your card, and he asked if I had the card with me I said of course, then he had all my information thats why trust him, he said Im going to block this transactions, Ill send you a code and you give me the number to cancel it, he said you going to see them in sistem but is because Im canceling so I did give them the numbers but later I looked that my savings were moved so I hanged out and call right away to my bank and the lady who assisted me told me they still trying to make more transactions, I got scared and this lady took the report and 3 weeks later my bank send me a letter that it said my claim was denied and closed, Im so upset about it they cant just say forget about your XXXX dollars, I reported on time what was my mistake? That was 36 transactions that they made and the bank didnt see anything suspicious and they charge me even for the overdraft.

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 2021-08-30 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: VALLEY NATIONAL BANCORP
State: NY

Complaint narrative:
I have these items that are not mine and i want them to be removed 1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXX/XXXX XXXX Account Number : XXXX  This is not mine.

3. Identity Theft VNB- LOAN SERVICES INC Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have an issue with Well Fargo bank. They are reporting on my credit something is over XXXX years old and need to be off. I have been fighting them since XX/XX/2021 on this and they just wont budge. The credit report even shows 8 years and 3 month I mean come on 7 years it is suppose to come and it not. Why do they get to change the law to 8 plus years? I did my research and I know it still 7 years so this need to be remove 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 non-monetary relief
Consumer complaint received 2021-08-30 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: JPMORGAN CHASE & CO.

Complaint narrative:
Customer : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, New York XXXX, United States, tel. XXXX on XX/XX/2021 XXXX smartphone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Purple ) for {$730.00} using his credit card XXXX XXXX XXXX XXXX issued by Chase Bank. 
Item customer ordered was shipped and delivered by XXXX : XXXX on XXXX XXXX. Customer informed us on Mon XX/XX/2021 XXXX that he received wrong model - XXXX XXXX XXXX which is XXXX years old now. THIS IS ATTEMTP TO COMMIT A FRAUD ON OUR COMPANY. Customer clearly exchanged item he received from us to another. We are on the market since XXXX  year and we collected over 20 000 orders. We know goodly this type of fraud, that's why we collected following evidence :. First of all, customer is required to check package contents with the delivery man, and if it's not possible - to record unboxing video - customer didn't made neither of these. We asked customer to open a case at XXXX - but he declined, claiming it's our mistake. We then opened case at the XXXX ourselves, and we found that package was delivered at good condition. For evidence that we did shipped correct product, I'm attaching an XXXX video. It's available here : XXXX XXXX XXXX? 
XXXX. It's clearly visible that the box with the phone packaged into this package is different than customer is claiming he received. Box content remain untouched until arrived to the customer as XXXX investigation confirmed. That clearly shows that customer exchanged the product after delivery. There's no proof that the box customer photographed was inside the package. We do have proof that box inside this package was different from photographed. 

Unfortunately even all these evidence collected, Chase bank didn't respected our evidence during dispute process and debited whole paid amount from our merchant account at Stripe.com Such approach of a bank creates a playground of a fraud, and make scammers don't fear consequences of theirs actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have told Experian that my phone number is not and never was XXXX. Experian refuses to remove this phone number from my account. This is illegal! I've contacted all my banks and lenders who say they have never associated this phone number with any of my accounts.

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 2021-08-30 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: Verisk Analytics Inc
State: CA

Complaint narrative:
- On XX/XX/21 I sent a letter to LCI asking to verify the validity of the bankruptcy they were reporting on my consumer report. - LCI failed to respond. 
- On XX/XX/21 at XXXX I left a message requesting a call back - no response. 
- On XX/XX/21 I sent a second letter asking for a method of verification of the alleged bankruptcy they are reporting. - LCI failed to respond. 
- On XX/XX/21 I sent a 3rd method of verification request. 
- On XX/XX/21 I received an email repsonse stating bankruptcy is public record, but no method of verification was included. 
- On XX/XX/21 I replied to the email again asking for a Method Of Verification. 
- On XX/XX/21 LCI replied and stated they do not subject to FCRA laws and they are not required to provide me with any Method of Verification at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation
State: TX

Complaint narrative:
The united revenue corp posted a {$1300.00} collection on my account and I have not been to any hospitals or received any medication from any kind of medical institution. I have reached out to get the account disputed but I have heard nothing back! It has been passed the 30 day period! And I need something done about this ASAP!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: ACIMA CREDIT, LLC
State: MA

Complaint narrative:
This account is being reported as Collection/Charge-Off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
I asked for for my forbearance to be applied with Navient they however didnt apply it to all my loans in which they were reporting me 150 days past due I reached out to them and they said in XX/XX/2020 they couldnt remove the reporting there agent neglect to put all my loans under forbearance thats not my fault if I requested my loans be in forbearance they have not reported 51 late payments to my credit for over two years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30 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: IL

Complaint narrative:
I recently just started working on my credit and I realized I had a bunch of inquiries on my report that I never made or authorized at all!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I recently just started working on my credit and I realized I had a bunch of inquiries on my report that I never made or authorized at all!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I purchased a used vehicle ( XXXX VIN ) XX/XX/19 from The XXXX XXXX with financing provided by TD Auto Finance. I then refinanced the loan with my local credit union ( XXXX XXXX XXXX ), but XXXX XXXX was never provided with the vehicle 's title. I have been making payments on time to XXXX XXXX for the last few years and now wish to sell the vehicle but am unable because the vehicle 's title can not be located. TD Auto Finance is unable to locate the title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Today I spoke with XXXX XXXX at BofA who said I would no longer be able to do online wires or online banking and that I could not transfers funds because I am 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 monetary relief
Consumer complaint received 2021-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: FL

Complaint narrative:
I applied to refinance my mortgage with Better Mortgage on XXXX. I was charged the appraisal fee on XXXX, and they're website showed that the appraisal has been ordered. I didn't get any calls from any appraisers, and on XX/XX/XXXX, I sent them an old appraisal ( from XX/XX/2021 ) to see if it can be used in lieu of having to get a new one. I don't hear back from them until XX/XX/XXXX when I'm stated that they can't reach anyone at the bank that did the appraisal. Evidently they worked on this for two weeks. On that same day ( XX/XX/2021 ) I told the adviser to go ahead and order a new appraisal. A week later, I emailed and informed him that no one contacted me to do the appraisal. I was told to wait. Closing was supposed to take place by XX/XX/2021. On XXXX, still no word from an appraiser, the Better Mortgage Adviser emails me stating that I would have to reapply or pay for the lock extension. In the mean time, I submitted hundreds of pages of documents that were asked of me in support of my application, uploaded all of them without any delay, and their web page that with my progress dashboard, kept showing that everything is on track throughout the whole process. I feel that they could have easily obtained a new appraisal had they ordered it when they were supposed to. I feel that they waited too long ( nearly two weeks ), for a response from the other lender. Even to this day ( XX/XX/2021 ), I have not heard from an appraiser. I refinanced or took out new mortgages multiple times over the years, and as recent as XX/XX/2021, and always received a call with a day or two of paying the appraisal fee from an eager home appraising company. I feel that Better should honor the original terms of my refinance application, and complete the loan closing without charging me extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
BSI Financial has reported our credit late for 120 days. This is incorrect for the following reasons : 1. We were under COVID Forbearance for 3 months and BSI wrote us a letter stating NO negative credit reporting was to be made XXXX, XXXX, and XX/XX/2020. Instead, they DID report us late during forbearance and for XXXX and XX/XX/2020, which has denied us the ability to buy another home. 

2. We sold our house in XX/XX/2020 and made FULL PAYOFF to BSI on XX/XX/2020. BSI reported us late in XXXX AND XX/XX/2020 which is inaccurate. We informed BSI in XXXX the house had been sold and they still reported us late. We have not been able to buy a house because of the BSI mistake and BSI is completely unresponsive to our multiple requests for correction. 

Our credit was reported 120 days late and based on the aforementioned information this was incorrect. We have tried several times to correct this and BSI customer service employees continue to send several requests to their CREDIT DEPARTMENT which never corrects their mistake. 

BSI should honor their promise to us and rectify this issue so we can move forward and buy another home. This mistake has had a profoundly negative impact on our lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2021 charged overdraft fee when account was not negative XX/XX/2021 charged anothe over draft fee when account was not in the negative This has happened multiple times with this bank and they will not even investigate

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