vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: IA

Complaint narrative:
I ordered a payoff on my car on XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX the payoff qoute was {$XXXX}. During the call with the I verified that this payoff was correct and after receiving the payoff the difference would be requested from the gap insurance to pay the loan in full. I negotiated an amount of {$XXXX with the insurance company which was mailed and received by credit acceptance corp at XXXXXXXX XXXX XXXXXXXX XXXX XXXX. the gap insurance payment sent was {$XXXX} = XXXX is the total amount of both payments. Credit acceptance now claims I owe an additional XXXX payable by XXXXXXXX XXXX.as of today at XXXX am on XX/XX/XXXX. The loan is therefore paid in full and should reflect that on my credit report so that I can purchase a new vehicle. this vehicle was totaled out due to a non fault accident and Credit acceptance is causing further damages by not showing this vehicle paid in full.

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 2021-11-22 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: NY

Complaint narrative:
Re : Requesting a Method of Verification Letter To Whom It May Concern, I recently received an answer to a dispute which state that the accounts XXXX XXXX XXXX XXXX and XXXX XXXX were verified according to the information that you have on file. Very Respectfully, I am sure there was an error in the outcome of your decision. I am requesting the Method of Verification for the following disputed accounts : XXXX XXXX XXXX XXXX and XXXX XXXX. This is in accordance with the Fair Credit Reporting Act XXXX ( a ) ( XXXX ). This is a request under FCRA XXXX ( a ) ( XXXX ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA XXXX ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( iii ) by not later than XXXX days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA XXXX ( a ) ( XXXX ). Please reply within XXXX days or delete the items, as originally requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately. 
Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: OR

Complaint narrative:
XX/XX/XXXX -- -I closed on my home, mortagage paid in full with XXXX XXXX XXXX They charged me a month 's mortgage after it was paid in full through the automatic withdraw I set up with the loan. I called XXXX and was told that the payoff happened at an unfortunate time before automatic payment could be discontinued. When I asked my it is not part of their process to immediately stop autopayment when a loan is paid off, no one could answer my questions. I was told and then sent an email verification that the mortgage payment that they should not have pulled would be coming with my escrow check in the mail in XXXX business days from closing. 

XXXX XXXX-No check has arrived in the mail. I called XXXX and was put on hold an disconnected XXXX times and each time, the person could not assist me and I was re-routed back in the hold system as if I was calling for the first time. The last person I spoke to let me know that she saw that the funds were not released from escrow yet and that they have a policy that stipulates that funds are not released until XXXX business days have passed. I let her know that I was told different and had an email that said otherwise. I asked her why they kept escrow funds for so long since the official transaction is over and releasing funds to the rightful party should not take that long. She did not have an answer for me regarding timing or why. 

I also let them know my address multiple times and I decided to verify in my last call. Sure enough, after giving my new address to them multiple times, they did not have a complete address on file so the escrow check would not have made it to me even if they did mail it in a timely fashion. The customer service reps were respectful, but incompetent -- -not able to assist me on a simple matter. 

I would like to file a complaint against XXXX XXXX for wrongfully charging me mortgage payment, unnecessarily delaying final payment of/withholding escrow funds, and not being able to answer simple questions regarding the refund I should rightfully be receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: IA

Complaint narrative:
Reference to the prior dispute that you do not handle according to the XXXX  guidelines. Experian will dispute the inquires listed in my credit file that do not belong to be. After this is done. You WILL provide with the name and contact information for any source that you used to verify the inaccurate information on the credit file. You better follow correct XXXX guidelines, next step is the attorney general. Want to be sued like XXXX XXXX and XXXX. Violate my rights again. You have been warned. 

following inquires are on my credit report are not mine XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2021-11-22 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: AZ

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: MI

Complaint narrative:
Currently I have sent letters out on the following dates below with some accounts in question that I'm not familiar with : XX/XX/2021 XX/XX/2021 XX/XX/2021 I have not received any follow up letters from the bureaus for an update or account status

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 2021-11-22 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: MS

Complaint narrative:
I have sent letters to Experian to have inaccurate information from my credit report removed. They have remove a few things, however, there are addresses that should be removed. These certified/return receipt letters there sent XX/XX/XXXX &XX/XX/XXXX. Stating according to the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they have 30 days to investigate disputes and they can not verify the information they must delete it. I want to invoke my rights to dispute and have them fined. This is not right. 
Items not deleted were addresses. 
Experian Dispute by MaiXXXX XXXX XXXX XXXX XXXX, TX 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 2021-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Was solicited for a XXXX XXXX for {$10.00} credit after spending at least {$20.00} at a XXXX gas station via the XXXX app and using my Citi XXXX XXXX ending in XXXX to pay. Accepted offer on their website prior to spend and then filled exactly {$20.00} per terms ( solicited offer terms and conditions.png ) onXX/XX/XXXX ( BPme receipXX/XX/XXXX 

XX/XX/XXXX : Contacted Citi customer service via chat. Was told that they did not see a current offer, only XXXX that had expired inXX/XX/XXXX ( citi chat bad XXXX ). Was told to email terms and conditions of the offer to XXXX by their representative ( citi chat bad XXXX ) ( Untitled.pdf ). It was transpired that the representative gave me bad info ; XXXX is for an XXXX XXXX card, which I never had. 
XX/XX/XXXX : Received mail ( citi refusal XXXX ) from Citi saying that I was not solicited for that Merchant Offer. 
XX/XX/XXXX Contacted customer service via chat. Told to call. Was told not showing signed up on any offer. See ( Screen Shot XX/XX/XXXXat XXXX ) showing that I was, in fact, signed up for multiple offers. 
XX/XX/XXXX: Same response asXX/XX/XXXX ( citi refusal XXXX ). 
XX/XX/XXXXCiti mailed response showing they stood by their original response of XXXX offer good only until XX/XX/XXXX ( citi refusal 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 2021-11-22 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: MI

Complaint narrative:
Currently I have sent letters out on the following dates below with some accounts in question that I'm not familiar with XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXI have not received any follow up letters from the bureaus for an update or account status

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: MI

Complaint narrative:
Currently I have sent letters out on the following dates below with some accounts in question that I'm not familiar with : XX/XX/2021 XX/XX/2021 XX/XX/2021 I have not received any follow up letters from the bureaus for an update or account status

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
onXX/XX/XXXXXXXX I submitted a validation request letter to Wakefield and associates. Ive attached what I received back, which as a consumer, Im not sure how they expect me to understand their print off and pieced together " validation ''. nothing on here reflects amounts or the providers that are showing on the credit report. 
I sent a follow up in XX/XX/2021 and haven't heard back yet. Ive attached both letters Nor- did they send me a XXXX release form with my signature on it. This is a violation of my FCRA, FDCPA, and XXXX rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: SC

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Hello, XXXX did not authorize the car company XXXX XXXX XXXX. Located in XXXX XXXX XXXX in XXXX pa to run my credit report at all! I did not give them authorization to run my report and this is unacceptable, they ran my credit through XXXX companies of the name of XXXX XXXX  XXXX XXXX and Santander. I had really tried to get this removed and to no avail. Please report this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Simple Bank closed my account with {$3000.00} in it and was then acquired by BBVA. It has been almost a year and I still have not received my disbursement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I was told my synchrony Bank that sometimes in XX/XX/XXXX i OPENED a value city furniture account in the amount of XXXX. I opened a fraud claim with them as THIS WAS NEVER OPENED by me. They later one transfer this case to collection and for XXXX times I was summoned to appear at the court of common plea in XXXX ohio. This case has now been dismissed by the court as it was determined I did not own this money. In XXXX I did not even know of synchrony Bank. The only furniture I bought was in XXXX and the creditor was XXXX XXXX XXXX company. This transaction has been hurting my credit report since then and I want this to be removed from my account which is why XXXX asked me to file this report.

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 2021-11-22 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/2021, a {$75.00} booking fee, totally more than half of my XXXX night 's room reservation, was billed to my AMEX card without my knowledge or agreement. When I found it, I requested that the rental agent remove it, but she refused. She did not deny that she had billed my card without informing me or getting my authorization. She replied simply that all rental agents charge fees. I disputed this charge with American Express, but they sided with the merchant and denied my dispute, without explanation. I have requested an explanation from AMEX but they have not replied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
SOMEONE OPENED A CREDIT CARD ACCOUNT WITH COMENITY CAPITAL BANKXXXX XXXXN MY NAME ON XX/XX/2021. THEN PROCEEDED TO CHARGE {$1100.00}. 
THERE WAS A HARD CREDIT PULL FROM MY CREDIT BUEARU. 
WE HAVE ALREADY FILED A FRAUD REPORT AND ALERT TO OUR ACCOUNT. 
WE WILL NOW PUT A CREDIT LOCK ON OUT CREDIT BUREAU.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: IL

Complaint narrative:
I try to fix the problem last time i send the letter to cfpb and you are still reporting this negative items

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There should only be XXXX name appearing on my credit report : XXXX XXXX XXXX. There is also an existing inaccurate account on my credit report that should be removed. On or around XX/XX/XXXX, XXXX recorded a phone call stating that XXXX XXXX did not provide an authorized written contract with my authentic signature. XXXX XXXX  XXXX OF FL is still reporting an alleged account as " bad debt ''. This banking institution has not provided sufficient and certified evidence that this account was authorized by me. This banking institution has been reporting this bad information since XX/XX/XXXX. It is beyond the statute of limitations for a debt collector to report an alleged debt. I am pursuing legal action against the definition and old information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: NJ

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting XXXX {$8700.00} XXXX XXXX {$0.00} FST XXXX {$12.00} XXXX {$15000.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX {$1600.00} XXXX {$0.00} CB XXXX {$0.00} XXXX {$920.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX A transaction of {$11000.00} went through to a citi autopay that I did not authorize nor have this citi account. I have called citi about this weird credit card that was opened and someone making transaction on it before. I have called some few years? before back to have it closed when I noticed the first attempt of this credit card being used. I called citi to have it closed and/or was told I do not have this citi credit card account? as far as I remember. However, a transaction was made today from my XXXX under the same citi credit card issue I have complained about it being used/opened not under me. I have asked for investigation from both XXXX and Citi. I do not know from Citi if there is an investigation under way XXXX made multiple attempts spending hours on hold and being transferred to different people. Had gotten hold of multiple individuals stating they will start an investigation, close the account/credit card and will refund the credit back. Had requested for names but customers service members refused to give their name. 

XXXX ( time is XXXX ) called Citi multiple times, reach someone stating there is no such investigation opened at all. I requested for a supervisor but the person on the phone cut me off. She hanged the phone up on me. phone number- 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