vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-05 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: FL

Complaint narrative:
Hi, Please check this account because its not mine. I have no idea why it appeared in my credit report probably identity theft or error in reporting anyway check it please and remove. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CITI BANK CBNA, you recently received my Notice of Rebuttal on XX/XX/2021. 
This is in response to your deceptive attempts to collect alleged debts not owed to you. 
As stated in my notice you were previously contacted on XX/XX/XXXX when I demanded an opt out of consumer credit reporting as is my right pursuant to 15 USC 6802 & 6803. You have defaulted on demand and have proven that you are willfully noncompliant with Federal Law protecting consumers, these matters are being well documented and all defaulted notices will become XXXX XXXX  evidence if further legal action is deemed necessary. I do NOT owe you ANY alleged debts, and I have not borrowed any capital from you which means I do NOT owe you any alleged debts. Further more your claims are unsupported by Affidavits, or any documentary evidence of indebtedness as required pursuant to 15 USC 1666 making all of your claims hearsay. This further supports the facts as I have documented them, expressly the fact that I do NOT owe you any alleged debts as you claim. BE ADVISED, CITI BANK CBNA, you have 15 days to comply with my demands listed in the correspondence you received and the correspondence attached to this complaint as you are already in default of the previous notice. There is more than enough evidence to prove your attempts to willful mislead and deceive me through means of material misrepresentation of vital facts that have been purposely omitted by you the financial institution involved in this consumer credit sale/transaction. BE ADVISED, CITI BANK CBNA, you have committed several violations of Federal Law which have been well documented and will be used as documentary evidence and XXXX XXXX should I be required to pursue legal action in these matters.

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 2021-05-05 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: CT

Complaint narrative:
On XX/XX/XXXX and XXXX, 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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2021-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi, Please check this account because its not mine. I have no idea why it appeared in my credit report probably identity theft or error in reporting anyway check it please and remove. thanks

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 2021-05-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP
State: OR

Complaint narrative:
In XX/XX/2020, we applied for a Home Equity Line of Credit. The estimated time to complete the transaction was 2-3 week, plus " little longer due to COVID ''. 

We hounded the branch constantly for status updates. There would often be something needed that no one communicated. We'd provide what was needed every time. This process went on like this until XXXX. At that time they said they were " working on title '' and it was would be soon. 

At this point, we stopped contacting them and never heard a word from them again. I finally called them in XXXX and told them to cancel the loan. They told me then it was already expired. Again, there was no written, electronic, or voice communication for the past three months. 

We had contractors lined up on the continual promise that the loan would close " next week '' or " soon '' over and over. We paid almost {$300.00} to process a XXXX lien for our solar panels that had to be subordinated to third position. 

I've included a PDF that documents every contact we had with them and who did what and when. In XXXX, I asked the branch manager what channels were available to file a complaint, he gave me a toll-free customer service number. I filed my complaint and never heard another word from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
For the months of XXXX through XXXX of XXXX, my minimum of {$25.00} towards my bill for Capital One did not go through when it was on auto-pay. This happened concurrently with both accounts I have with this company. I reached out to the company and they said they saw the payment try to come out of my bank but it was rejected. They never notified me of the rejection and gave me this late payment. I continuously called the creditor to ensure my account was enrolled in auto-pay and received confirmation the accounts were enrolled and I would not have any issues. I was told back in XXXX of XXXX that these late payment remarks would be removed from my account as it was an error in Capital Ones autopay system. I have since disputed these late payments with the credit bureaus, and the company has failed to respond as this was supposed to have been resolved back in XX/XX/XXXX as promised. I have been a good customer for years, with two accounts with this company. I have explained the hardship these inaccurate claims have caused. There is now a derogatory mark on my credit file and the company will not help me with this unfair situation. I am unable to get approved for an apartment at this time due to derogatory marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I submitted a complete packet for a loss mitigation application. My lender received them and informed me that its under review and just waiting for the results of the application and that it will take 30 days. 30 days after there's still no updates from them and they are saying that the evaluator has not even started the review process. I am not sure if they really want to help me save my home or they want to foreclose 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 non-monetary relief
Consumer complaint received 2021-05-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I filed a dispute in regards to the inaccurate items on my report & I haven't received any results. 
There has been unauthorized inquiries, and unverifiable accounts reporting on Equifax, XXXX  and on my XXXX XXXXeport. My letters seem to have been disregarded because I havent reviewed results or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX we discovered 2 unauthorized debits of {$250.00} to XXXX XXXX. We informed Citibank about them. 
On XX/XX/XXXX we noticed another debit of {$220.00} to XXXX XXXX. There was another debit of {$130.00} also to XXXX XXXX on XX/XX/XXXX. We informed Citibank immediately and they put a hold on our account. We realized our account has been compromised. We started researching and found that there are 8 forged checks that have have been cashed for a total of {$5300.00}. Citibank refuses to return our funds.

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 2021-05-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Volvo Car Financial Services U.S., LLC
State: FL

Complaint narrative:
I believe that Volvo missapropriated several lease payments and instead of assigning large payments which were to be attributed to the pay off amount, they instead applied as lease payments after the termination of the lease. I ended having to make extra payments to ensure I exercised the purchase option prior to the termination of the lease. This is my third CFPB complaint on this issue, I really need your help and assistance. Please do not close the complaint without discussing with me first. This is my second serious issue with Volvo as it relates to financing/purchasing a vehicle. A representative at a dealership changed the agreed terms and forged my signature on a previous purchase adding items I did not agree to. If Volvo 's assertion is that the payments I have made were allocated correctly they should provide a statement reflecting payments and how they were allocated. That is a simple request and will either validate my complaint or help resolve it. While Volvo has acknowledged that I have purchased the car, they have not provided me with the new title and I still have not received the new tag. We recieved a citation today and I have had to renew the tag despite this being included in the payment sent to Volvo.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I had a XXXX XXXX XXXX that was opened in XXXX that I had closed out, at the time. The account went into collection and the collection agency offer me a settlement but i declined the settlement and paid the account in full. The full balance was {$350.00}. XXXX. I was told by the collection agency they will remove the account once it's been paid in full, I have sent out several letters and the closed account is still on my credit report, only thing they sent me was just a letter stating that the account was paid in full that was it. I sent out three letters XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2021-05-05 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I had a XXXX XXXX XXXX that was opened in XXXX that I had closed out, at the time. The account went into collection and the collection agency offer me a settlement but i declined the settlement and paid the account in full. The full balance was {$350.00}. XXXX. I was told by the collection agency they will remove the account once it's been paid in full, I have sent out several letters and the closed account is still on my credit report, only thing they sent me was just a letter stating that the account was paid in full that was it. I sent out three letters XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had a XXXX XXXX XXXX that was opened in XXXX that I had closed out, at the time. The account went into collection and the collection agency offer me a settlement but i declined the settlement and paid the account in full. The full balance was {$350.00}. XXXX. I was told by the collection agency they will remove the account once it's been paid in full, I have sent out several letters and the closed account is still on my credit report, only thing they sent me was just a letter stating that the account was paid in full that was it. I sent out three letters XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2021-05-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: VW Credit
State: VA

Complaint narrative:
On XX/XX/2021 I received a letter for Audi financial with a payoff for my leased vehicle. Their online system states that I own nothing at the turn in date for XXXX XXXX. However the account summary states that I own {$25000.00} due XX/XX/2021. Then I call Audi on XX/XX/XXXX to make sure that I have everything in order and they create another amount for {$25000.00} cents. Ive argued that the statement sent to me recently states to pay {$25000.00} by XXXX, 2021. They are not willing to honor the letter sent to me this week for the quoted amount, They want me to pay the higher amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
since transfer from XXXX have been recieving incorrect payment amounts. i have paid XX/XX/2021 payment XX/XX/XXXX, stated not recieved?? paid again today XX/XX/2021 amt XXXX ... ... ... i have a first responder firefighter XXXX homestead exemption. should be only charged for garbage and other misc aprox XXXX dollars per year!!

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 2021-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
I would like to request a copy of all documents verifying that I owe the debt to DISCOVER CARD, Not limited to, but including original application with my signature on it. I have on multiple occasions informed them the account was a result of identity theft, and they keep verifying the information as accurate. I have a right to request the documents they are using to verify that the account wasn't opened fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted XXXX and notified them I no longer wanted this account. Apparently, the account wasn't actually closed and the annual fee was billed in error. I was contacted by XXXX 's collection department stating I was past due. Fortunately, the phone rep corrected the issue by refunding the fees and closing the account but I now see they have reported me 30 days past due which dropped my credit scores.

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 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted XXXX and notified them I no longer wanted this account. Apparently, the account wasn't actually closed and the annual fee was billed in error. I was contacted by XXXX 's collection department stating I was past due. Fortunately, the phone rep corrected the issue by refunding the fees and closing the account but I now see they have reported me 30 days past due which dropped my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I am a teacher and should soon qualify for Public Service Loan Forgiveness. Any time I have tried to enroll or have tried to find information, I have basically ended in a broken link or a form I can not fill out. I started with just under $ XXXX in student loans and after 8 years of paying them on an income-based repayment plan, I have hardly touched the principal balance. In fact, one of my largest loans, A direct loan, originally for {$20000.00} now has a principal balance of {$22000.00}. Last year, I paid over {$6000.00} in interest alone! If I am paying {$6000.00} in interest in a year, with monthly payments at around {$500.00} ( what I can afford as a teacher ), that means I am only ever paying off the interest, but not touching the principal balance. The fact that interest on some of my loans is almost 7 % is outrageous! After 8 years of teaching, I have not made any progress on my student loans, and still don't even know if I am on the right track for Public Service Loan Forgiveness. It's infuriating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
I got suspicious emails that I think is someone trying to impersonate Advance America & I have attached them below & a letter in the mail asking me for debt to be paid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I REACHED OUT TO TRANSUNUION, XXXX AND XXXX ON BEHALF OF SOME ACCOUNT THAT I ASKED TO SEE PROOF OF THE DEBT. 
ATTACH YOU WILL SEE AN AFFADAVIT THAT I I MADE WITH THE FTC THAT SHOWS THE 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 explanation
Consumer complaint received 2021-05-05 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: PENTAGON FEDERAL CREDIT UNION
State: MN

Complaint narrative:
There was a account open in my name win Pend last year. I send a dispute letter and a Id theft affidavits about a month ago and I havent heard back from them. Account still reported to my credit report. Did a fraud report about some one stole my Id and personal information. And they still havent resolved.

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 2021-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have tried disputing and asking for verification on these accounts, and the only information they give is these accounts have been verified. They do not belong to me. 

XXXX XXXX XXXX ACCT # XXXX {$22000.00} XXXX XXXX XXXX # XXXX {$450.00}

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 explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: UT

Complaint narrative:
I received a collection letter in the amount of {$1800.00} on XXXX XXXX from the company Caine & Weiner with account # XXXX. This was sent to them by XXXX XXXX XXXX company regarding a mortgage insurance that was cancelled months before. This was all due to an error on the insurance 's part when they did not correctly cancel a policy when it was cancelled. I have been working with my agent and XXXX XXXX to confirm this is all settled and complete which it is. I have a {$0.00} balance and the errors were fixed. Caine & Weiner still tell me I owe approximately {$1700.00} as a debt they are are collecting. They declined to contact the original creditor ( insurance company XXXX to resolve this. It has been almost 4 months and they still have yet to fix this on their end. Had I not been aware of all the rules in place for a collection company to collect a debt, I would be deeply in debt. I know XXXX XXXX and Caine & Weiner are not practicing the correct rules in place. Caine and Weiner need to verify their information before considering someone's debt. They only allow the consumer to send a dispute to their company to resolve this.

Company response to consumer: Closed with explanation