vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is a complaint against the XXXX XXXX Citibank branchs misrepresentation of promotional deposit products. In brief, I deposited {$250000.00} with Citibank XXXX XXXX branch because they represented an outdated {$1000.00} promotion which I relied upon as valid. 
-- -- - SEE ATTACHED LETTER FOR COMPLETE DESCRIPTION OF COMPLAINT ... 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 2021-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
I have no written or verbal commitment with this company. I request validation 2 or 3 times can not provide proof of this debt they claiming I owe them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: MONEY SOURCE, INC., THE
State: MD

Complaint narrative:
the Money Source finally corrected my XXXX report on XX/XX/XXXX to save that i wasnt on a modification : The details and comments of your account **** XXXX with THE MONEY SOURCE changed. This XXXX XXXX XXXX XXXX XXXX comments changed on XX/XX/XXXX : Comment 1 : Real estate mortgage Comment 2 : Va mortgage Comment 3 : Fixed rate And now then changed it back again on XX/XX/XXXX that i was on a loan modification again : The details and comments of your account **** XXXX with THE MONEY SOURCE changed. This XXXX XXXX XXXX XXXX Mortgage comments changed on XX/XX/XXXX : Comment 1 : Real estate mortgage Comment 2 : Loan modified Comment 3 : Fixed rate I was never on a loan modification it has cased my credit score to drop 21 points due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I received a XXXX letter from Midland regarding a charged off XXXX  account that I could no longer pay due to hardship in XXXX for the amount of XXXX which more likely includes collection fees. At the time I explained that I could not pay due to dealing w the death of a parent and am currently dealing w my fathers illness that is ongoing. When I offered to settle the account for 20 % I was told that want acceptable and the harassment through calls and now letters continue. I am also dealing with the side effects of major surgery. Midland had not sent me any additional letter until today as we have issues w the mail. And I have not gotten a bill from XXXX since XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX ( Car Dealer ) uses predatory practices towards the elderly ( my Mother ). My mother is XXXX XXXX ( and has had failing XXXX for the past 7 years. Dealer has solicited her and been talking her into taking a new car, under a reoccurring LEASE every 1 - 2 years. I live in CO and she lives in CA. She can no longer drive or take care of herself and need to move her to CO into assisted living. The payments have also incrementally increased to where she is paying close to $ XXXX on a lease of a Kia XXXX. The going rate for a lease on this car is closer to $ XXXX. Currently, she owes {$36000.00} on a car that is only valued at {$26000.00}. Dealer said they bare no responsibility and that changing out leases every year is a norm ( he indicated he did it himself, but then backtracked when I asked if he would put that in writing ). A very nice sales rep XXXX XXXX XXXX XXXX noted that there are records of their sales staff soliciting her to trade in every year. 
Here is the breakdown : XXXX XXXX a new Kia XXXX  XXXX finishes out lease ) - No issues w/ this lease. 
XXXX New Lease on XXXX- She signs on XXXX Solicited for new lease on new XXXX- She signs on XXXX Solicited for new lease on new XXXX- She signs on XXXX ( XXXX ) - Solicited for new lease on new XXXX- She signs on Total owed to terminate current Lease {$22000.00} ( will not own anything at end ) Current buy out for latest vehicle- {$36000.00} Current car worth ( XXXX ) - {$26000.00} Lease payment : {$670.00} for 48 months starting XX/XX/XXXX Multiple calls with XXXX XXXX. My husband took a trip to CA and tried to speak with the owner XXXX XXXX ( would not see him ), the GM ( would not talk to him ), and finally the Sales manager ( XXXX XXXX XXXX whom he spoke with. He claimed no responsibility and said that if she passes, to supply the Leasing company a death certificate and that they would then allow for a resolution. Also tried to insinuate that yearly car exchanges as part of a lease are the norm ( said he did it himself, until my husband asked if he would put it in writing and he backed off ).

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 2021-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: HI

Complaint narrative:
I knoticed transactions on my prepaid card account that were made via cash app I contact cash app in reference to those unauthorized charges and cash app informs me that someone created a cash app account in my name and used my debit card to send money via cash app. So I ask cash app where was my money sent to they wouldn't tell me where they wanted me to give them the cash tag for the person received the money I respond that I don't know what a cash tag was and not does it say that on my statement I give them what I have on my statement and ask them to close any accounts that have my card linked to because of unauthorized charges and it's fraud I'm told to contact my bank to dispute those charges and I do that but my bank declines approval of dispute stating after contacting cash app they deemed chargers was authorized when I have never used cash app before they have not done anything to help locate my money or gave me info to recover my funds so I have taken out of this situation is that cash app will allow fraud transactions to occur and do nothing to help recover funds I don't know what email was used I can only provide my card number that was used and cash app does nothing except say that's all they can give me case closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
In XX/XX/XXXX I voluntarily surrendered my ex-wife 's vehicle which was purchased in XXXX. At the time I was told the vehicle would be sold by private disposition and I would be notified at a later date if there was a balance remaining. I never received anything. I pulled my credit report and saw an entry from Wells Fargo Dealer Services stating I owe {$890.00}. I contacted them by written letter dated XX/XX/XXXX to find out what this was about which was sent certified via XXXX and was signed for on XX/XX/XXXX. I did not receive a response so I contacted them again by written letter dated XX/XX/XXXX, also sent certified via XXXX  and was signed for on XX/XX/XXXX. Still no response so I contacted them again by written letter dated XX/XX/XXXX, also sent certified via XXXX and was signed for on XX/XX/XXXX. I finally received a response from them via a letter dated XX/XX/XXXX. In this letter they enclosed some documentation including the Voluntary Surrender agreement which I originally signed. There were several other items I had never seen before including a Notice of Our Plan to Sell Property, a letter dated XX/XX/XXXX, a letter dated XX/XX/XXXX, a letter dated XX/XX/XXXX and a letter dated XX/XX/XXXX. All of this correspondence was sent to an address I moved from previously and my current address was clearly shown on all correspondence I had sent them. Please note that the first letter they state they sent previously was dated prior to any correspondence I had sent. This letter also stated that more than 2 years after the sale of the vehicle, on XX/XX/XXXX, they received a refund from a service contract I purchased with my vehicle which reduced my balance by {$450.00} so my balance due is {$440.00}. I responded with a written letter dated XX/XX/XXXX sent certified via XXXX and signed for on XX/XX/XXXX requesting, again, that they remove all references to this account from my credit profiles since they were negligent in sending me anything previously about a balance due and I would agree to pay this balance. I received a letter from them dated XX/XX/XXXX stating they needed more time to complete their research and they expected to be able to respond by XX/XX/XXXX. When no response came, I followed up again, by certified letter sent via XXXX dated XX/XX/XXXX and signed for on XX/XX/XXXX, again requesting resolution to this matter. I received another letter dated XX/XX/XXXX also stating they need more time to complete their research and they expect to be able to respond by XX/XX/XXXX. This has gone on long enough and I feel these are simply stall tactics. I would appreciate any assistance you can give to remedy this situation.

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 2021-05-12 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: NY

Complaint narrative:
On several dates ranging from XXXX XXXX XXXX, I have sent letters regarding inaccurate information being reported on my credit report. It has been well over 61 days and I have not received a response yet. I believe that my disputes have been ignored without receiving a proper and reasonable investigation. As per FCRA Section 611 ( a ) clearly states that failure to investigate a consumer dispute items within 30 days, the account in dispute should be removed immediately from the consumer report. It has been over 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the amount of time this has gone on for and this situation is stopping me from obtaining employment as well as credit. I have also sent letters to let them know that I was impacted from the XXXX and XXXX  Data breach and have got no response.

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 2021-05-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST. 
I have been a victim of identity theft. The accounts listed below do not belong to me. A Police report was filed Report # XXXX see attachment. An FTC ID THEFT AFFIDAVIT IS INCLOSED. 

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: CA

Complaint narrative:
There are 13 accounts on my credit report that do not belong to me they are not mine do not belong to me I have not taken responsibility for these and I should not pay or be held responsible for this. I have opened an FTC for this. 

Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF EDXXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF EDXXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF EDXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account XXXX Reason : This is not my account

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 2021-05-12 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: TX

Complaint narrative:
not mine : FCRA XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Numb

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I saw a debt collection on my credit report regarding a bill from XXXX XXXX XXXX. ( A debt collector from Medical Data Systems is the collector ) I called them and spoke with a person who stated I owed this debt from services at XXXX XXXX XXXX in XXXX. If that's true, I was employed by XXXX XXXX XXXX. as a XXXX  XXXX. 

I was shot at and was tossed around the squad car injuring my head. I never received a bill or heard from XXXX XXXX or a debt collector at all. I was told by the XXXX XXXX XXXX. that any bills involving this claim would be paid for. Never heard from them or anyone else since then. 

Lastly, I would be willing to pay the XXXX dollars and would have paid it had I knew that I owed money on a bill. I didn't know anything about a debt. I want this off my credit report. 


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 explanation
Consumer complaint received 2021-05-12 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate things on my credit report. To this day over 60 days later, I have not received a response. I feel like my disputes are being ignored, my rights are being overlooked and my I am being taken advantage of. Section 611 ( a ), states a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been well over 60 days so these inaccurate, false items should be deleted promptly. Some of the accounts listed do not even have account numbers attached to them. I demand these accounts be deleted immediately or I will file for litigation due to the stress this misleading report have caused me. Upon discovery of the inaccurate reporting, I practiced my right and sent letters to which I have been ignored. Equifax has also used stall tactics, claiming " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. '' have since sent them a letter with my picture Id, social security card and proof of ID. They are in violation of many laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I redeemed reward points for a {$100.00} gift card for XXXX XXXX. I received confirmation that the gift card shipped but I never received it. I contacted American Express and they told me the problem was that they didnt have my town listed on the address where they sent the gift card. They indicated that they would send a new one. I never received it so again I called American Express. They verified my address and then said they would conduct an investigation. Today I reviewed a letter saying that unfortunately, your point redemption is final, and therefore the gift card is not eligible for return. I am not trying to return a gift card. I am trying to receive what I was promised. Im sure they can confirm that the gift card was never used.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I applied for a Home Equity Line of Credit with Bank of America. I have depository accounts and credit cards with the bank. I was denied approval despite having a XXXX credit score. I believe Bank of America is being discriminatory. Please 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 explanation
Consumer complaint received 2021-05-12 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: DC

Complaint narrative:
Hello hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and noone was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I own a 2 Family Home in New York XXXX. This is my Primary residence and the only home I own. There is a Mortgage Loan on the house, being serviced by SPS - Select Portfolio Servicing. I have been a very regular customer since the beginning. However due to COVID 19 my XXXX Business had to be closed down, from XX/XX/2020, as the whole City was shut down by the NY Governor for a few months. As there is no business I was not able to even cover the Rent for my XXXX. So my Business is still not open. I am waiting for Govt. Loan so that I can reopen the business again. And my tenants also stopped paying rent from XX/XX/2020. Despite all these severe hardships, I kept on paying my Mortgage from my Savings until XXXX last year. Since I exhausted my Savings and many of my friends were already taking Forbearance from XX/XX/2020 itself, I also applied for Forbearance. SPS gave me 3 Months ' Forbearance from XX/XX/2020 till XX/XX/2020. Since they were pressing me for starting the payments, I somehow managed to pay for 2 months. Then again I requested them for Forbearance. But they refused for the strange reason that I did not want Forbearance. How can I say that I do not want further Forbearance, when I am suffering such severe financial hardships? 
And now they are saying I have no Loss Mitigation offers on my account, which is very very strange. I am given to understand that under the CARES Act, it allowed a total of 12 Months ' Forbearance. And now with the new Federal Govt., I heard it is extended by another 6 months for a Total of 1 Year and 6 months. So how come, SPS gave me only 3 Months ' Forbearance, and then telling me that I have no other Loss Mitigation Offers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation