vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Sir! 

non-payment of bonus linked to new accounts and interests linked to checking and savings account. 

I had opened new checking and savings account by XX/XX/2019. The bank as every year announced opening bonus of {$400.00} for new account opened in according to yearly campaign for new accounts. It has been more than 2 years and my inquiry revealed that my account is stagnant with no addition for interest or bonus amount. 

I wrote an email. A copy is attached and other documents as brought out by bank at relevant time. Also copy of statement.

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 2022-05-05 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
My mortgage company has not paid my property taxes. They were originally due in XXXX, and have incurred fees every month since then. I have called the mortgage company every day to try to resolve, but no action has been taken. I have had my mortgage company and the property tax collector on the phone with me at the same time to try to resolve the issue, and it was discovered that the mortgage company had the wrong parcel number. This has been corrected, but the taxes have still not been paid. They are now listed as delinquent, and our names have been posted in the local paper as being delinquent on paying our taxes. When I call the mortgage company every day, i speak to a different person every time and can not request to speak to someone familiar with my case. 2 weeks ago they told me that a check would be overnighted to the tax collector, but no check has been issued. Im at my wits end, and dont know what else to do. As of XX/XX/XXXX, a lien will be issued on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: OK

Complaint narrative:
I lost my job due to covid. I know as a consumer my rights have been violated by Amirihome Mortgage. The foreclosure process they are attempting to take me through is fraudulent and is illegal according 15 U.S.C 1692e. False or misleading representation states a debt collector may not use False, deceptive, or misleading representation or means in connection with the collection of any debt. I created the document ( NOTE ) which makes me the grantor. In doing so I gave XXXXXXXX XXXX XXXX, XXXX the fidicious duty as trustee. The my promissory note was sold to Amerihome Mortgage. 15 U.S.C 1692e number 4 states The representation or implication that non payment of ANY debt will result in the arrest or imprisonment of any person or the SEIZURE, GARNISHMENT, ATTACHMENT, OR SALE OF ANY PERSON unless such action is lawful. Section 5 the threat of any section CAN NOT Legally be taken. 
Section 6. The false representation or implication that the sale or transfer of any interest in a debt shall cause the CONSUMER to ( a ) lose any claim or defense to payment of the debt or ( b ) become subject to any practice prohibited by this subchapher. I do not owe Amerihome anything this ALLEDGED debt was paid in full when I created the NOTE. They are not the originator or the beneficiary and neither is XXXX. I am the Consumer and I will not allow my rights to be violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: NJ

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

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXX Bank Account # XXXX, has violated my rights. 

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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: HI

Complaint narrative:
CCS collections.

I havent received any mail from them, stating a collection.

They have a {$230.00} charge for insurance.

And they have a {$99.00} charge on my credit reports.

This company is shady!

I have already had 2 items removed off my credit report. Need to provide proof that they were deleted and not trying to collect on them Cant find account # s for these charges. Its kind of hard to verify or validate. So please validate and verify it. Also my signature where i signed a contract with this company. It should be removed. I paid my insurance that i used. Or i wasnt covered.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-05-05 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-05-05 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: IN

Complaint narrative:
On XX/XX/2021 an unverifiable account was removed from my XXXX credit report due to XXXX not being able to verify or validate the account. I sent XXXX and Experian a copy of the report showing XXXX deleted the account and XXXX and Experian says the account will remain without sending me the proper documentation as to why they are not following suit. The account should be deleted, it does not belong on my reports.

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 2022-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

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

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

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

Accounts/inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-05-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
XXXX  formerly Transferwise offers a multi-currency account as part of their services. 
After transfering funds from my wells fargo account to my multicurrency wise account they deactivated my account. I have no access to the account and they are holding my money without any explanation. No refund yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have long struggled with the loan repayments as a single mother to a son with XXXX needing special intervention. Despite having XXXX college degrees, I have difficulty making ends meet. I always work full time and have *at least* one or two side gigs to supplement. 

I didn't realize until the pandemic that when I refinanced/consolidated my XXXX XXXX loans to NelNet, I was put into loans backed by private lenders, so I am not qualified for any of the assistance others are getting, including the Covid forbearance OR the Public Assistance Student Loan Forgiveness program .

When I applied for the XXXX XXXX XXXX XXXX XXXX, I was informed my servicer would be notified and I could place the loans on hold for up to a year while the determination was made. I uploaded the documentation, but they did not acknowledge or accept it. Yet, interest and penalties continued to accrue. I have tried a few times to call NelNet and had difficulty reaching an actual person with whom to speak, which was different from past experiences, and this may have been due to the holiday season. 

I uploaded the documentation again, but they did not acknowledge or accept it, and since XXXX NelNet has decimated my FICO by reporting delinquent payments. 

NelNet finally offered a 3-month administrative deferment, beginning XX/XX/2022 ( and still hit my credit reports later that month ), while simultaneously removing the subsidized component from one of the loans. 

I was laid off from my job at an escrow and title company, along with another, because we were at the bottom of seniority and the real estate markets have slowed. This occurred on XX/XX/2022. I have applied and been awarded unemployment and am once again searching for a job. I attempted to update my deferment to reflect this information, and NelNet has denied it, though I am still looking for the reason why. 

NelNet has hit my credit reports for three consecutive months so far. My XXXX has dropped more than XXXX points because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Good Afternoon, I'm writing this email because I want to file a complaint with Santander Consumer USA. I financed a car through XXXX around XXXX can't remember the exact year and the lender was Santander Consumers USA . Around XXXX I was let go from my job, I lost my apartment and had to have my repo since unemployment was not enough for me to keep these things. My understanding that after 7 years a negative inquiry should be removed from someone's credit report. This is not my case this customer still has this on my credit report since then and it's been more then 10 years. I've tried disputing it with sending letters to all credit bureaus and nothing. I just checked XXXX and it's showing that it won't be removed until 2027 that's 17 years on my credit report how could that be. They just keep updating the date opened. I have not had this car since like XXXX. I don't know if you are the right people to send this email to but it was on the XXXX website. Hope someone can assistance me with or direct me to the correct person or company as I don't think something like this should be on someone's credit report for more than 10 years. 

Best Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: Westlake Services, LLC
State: MI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify these accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CT

Complaint narrative:
My cash app account does not seem to show full transaction history, from account opening until closing, the history is needed in order to locate transactions not listed in app. My current cash app ID is $ XXXX There are other transactions listed under other IDs which I do not have access to, do not recall email addresses of. However, my billing addresses include XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX as well as current address at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681section 602 A. States I have the right to privacy.

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

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 2022-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: VA

Complaint narrative:
Cashapp has hadn't account locked since XXXX XXXX @ XXXX Now as of XX/XX/2022 @ XXXX I received an email saying it was unlocked, but My account say as of XX/XX/XXXX @ XXXX the issue was resolved, But yet my account is still locked I have received the email stating it was unlocked but they yet to do so I want my account unlocked to receive my money and then deactivate it. Asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: NY

Complaint narrative:
My bill was due on XX/XX/XXXX. I paid 1 day late ( XX/XX/XXXX ). I was charged a late fee of {$39.00} on XX/XX/XXXX. This put me over my credit limit by {$1.00}. I was then charged an overlimit fee of {$39.00}. I think that the law is that they can not charge an overlimit fee that is greater than the amount that is overlimit ( in this case {$1.00} ). This identical issue happened on XX/XX/XXXX. This time the overlimit amount was about {$8.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief