vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG HOLDINGS INC
State: OH

Complaint narrative:
Was contacted XX/XX/2021 by an officer who was supposed to serve papers but called me instead and worked for XXXX XXXX XXXX XXXX XXXX about a payment on my credit report to the company Why Not Lease It. The amount is for {$2500.00}, which I was told included court fees, court costs, attorney fees, or they would settle out of court for {$730.00}. They gave me a few ways to pay. I chose to pay XXXX up front and the remaining 30 days later. 

This debt is on my account, but after paying it and reading online, I feel I was scammed. I was never given a contract or agreement until after I sent the money. And my closing payment I wont get another document until after the last payment. The man I spoke to said I had 1 hour to decide or the deal would be gone and they would pursue court and bring on fraud charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
HARD INQUIRY REMOVAL IS IMMEDIATELY REQUIRED - UNAUTHORIZED, UNAPPROVEDHARD INQUIRY REMOVAL IS REQUIRED. THIS HAS NEGATIVE, ADVERSLY IMPACTING MY CREDIT LETTER ATTACHED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX I tried to make a cash deposit at the citizens bank ATM which I have an account at. I was depositing {$1500.00} in cash into the atm the atm went down the screen went black and was stating rebooting. My card was given back but not my cash or a receipt. I immediately called the customer service dept who said I didnt need to stay at the atm they would open a case. The bank credit my account then a month later without notice took it back leaving me a negative balance. They are stating there was no issue with the ATM. I had gone into the bank on XX/XX/XXXX and spoke to an associate who verified she was notified the night before that the ATM had gone down. Ive asked them repeatedly to pull the ATM footage and they will not. I have gotten no help in finding my money and am left with nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-25 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: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission XXXX FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: MI

Complaint narrative:
Equifax is showing my 3 student loan accounts as in collections. These accounts have been paid in full. The US department of education,XX/XX/XXXX and XX/XX/XXXX have all reported as accounts paid in full. XX/XX/XXXX and XX/XX/XXXX both show as paid in full. The dispute resolutions group of Equifax state that the information provided does not give them the information they need to change my credit account. I have logs from XX/XX/XXXXstating that Equifax has reached out to them and had the XX/XX/XXXX balance verified. Equifax is refusing to resolve this even though all the documentation has been provided

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
On XX/XX/XXXX I emailed my Mortgage Loss Mitigation advisor at Cardinal Financial Company, XXXX XXXX XXXX XXXX XXXX to verify that I had began making the trial payments for my Mortgage Modification that I was in the process of. 

On XX/XX/XXXX I spoke with XXXX of the Collections department, who confirmed that Cardinal had been reporting me late every month for the last year even though I had been in a mortgage modification program and was not delinquent. XXXX advised that I would have to write a letter because there was no one that she could transfer me to. XXXX acknowledged that my XXXX payment, which is currently being reported as late, was due on XX/XX/XXXX and payment in full was received on XX/XX/XXXX ; yet Cardinal Financial Company reported me 90-days late for my XX/XX/XXXX payment. XXXX acknowledged that I should have had some special reporting on my credit bureau that showed that I had been working with Loss Mitigation for my mortgage from XX/XX/XXXX - XX/XX/XXXX therefore nothing negative should have been reported and I should have had notes put on my reports of the such. This did not happen. 

I met all the payment arrangement guidelines to warrant receiving a modification of my mortgage. I have not been over 30 days late on my agreed modified mortgage payments with Cardinal since the agreement began but I am actively being reported as over 90-days delinquent of my mortgage payment every month for the last year and this is not right and it's inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: AZ

Complaint narrative:
Citibank has twice determined that we are responsible for a fraudulent charge on our credit card. They advised that we are responsible because the card was in our possession at the time of the charge. Per the bank, the transaction occurred on XX/XX/XXXX at XXXX XXXX CST, in XXXX, XXXX. We can prove that we were in the United States at that time and we have provided that proof to Citibank. 

We visited XXXX from XX/XX/2021 to XX/XX/2021. We made a purchase at a t-shirt shop while in the XXXX on XX/XX/2021. During that purchase, the shop owner took our card out of the store for 10-15 minutes saying she could not get internet reception on the card reader. We think that somehow the card was tampered with during that transaction. My husband tried to use his card after that and it did not work. 

The disputed charge was for {$7300.00} from a liquor store in XXXX. We did not enter a liquor store while we were in XXXX. Furthermore, we left XXXX on XX/XX/XXXX to go to the XXXX, and then flew to XXXX XXXX 8hrs from XXXX XXXX, and then flew back to the US from XXXX on XX/XX/XXXX, the day prior to the charge. This charge was completely out of character for us ; we have never spent anywhere close to {$7300.00} while out of the country. In addition, a second charge was made after the first for {$7700.00} from the same company. We received a text regarding this charge and immediately advised that we did not make the charge. We called Citibank as soon as we received the text and cancelled our cards and obtained new cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
I contact reflex credit card and let them know that I was no longer working and I applied for unemployment. 
Unemployment still never paid me because DMV put my numbers in wrong and I have an appointment on the XXXX day of XXXX to correct my driver 's license. 
I notified reflex credit card and told them I'm still waiting for unemployment and I still didn't receive it then they made an agreement with me to pay {$310.00} on the XXXX day of XXXX for a {$500.00} credit limit card I paid the {$310.00}, they promised to restore my account and to date they still have not restored my online account privilege. 
I want them to stop lying to the customer to get what they want and then they didn't but they didn't answer the phone when XXXX from customer service called them more than 5 times 2 ask why didn't they reinstate 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 explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against ENHANCED RECOVERY CO. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CONSUMER ADJ CO. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
My Fifth Third Bank HELOC had an advance block placed on it XX/XX/XXXX with no explanation given, only {$14000.00} of an available $ XXXX owed, never a late payment and I have verified by 5/3rd XX/XX/XXXX score of XXXX as of XX/XX/XXXX. I was told by my local branch there was nothing they could do to review that block even if it was an error but because my credit was good I could refinance my mortgage to ensure continued access to my home equity if wanted and lock in a low rate as I currently had an ARM. I knew rates were low and likely to start moving up so if I did do that I wanted to get locked in ASAP. I was referred to XXXX loan officer XXXX XXXX NMLS ID : XXXX. I spoke with her on the phone on XX/XX/XXXX and after explaining the situation she told me I would qualify for a cash out refi with my income and credit score. I asked her specifically what rate would I be locking in if I got my app in that same Friday and she told me 2.99 % and even said if I got it in before Monday I'd get the Friday rate. On Mon. XXXX I get my 1st loan estimate and it's for a rate of 3.25 % and it's not locked. I immediately email her to ask why the rate is different from what she quoted me and why it says it's not locked when she specifically said I'd be locking in the Friday rate. After 10 days of trying to get an answer about the difference in rate & lock she finally replies to say the rate is different because it is cash-out even though that was the only type we discussed and the only type I could get as I had a now frozen HELOC to pay off, she says nothing about the lock status. After another 5 days asking if it is at least locked in she lies and says it is locked even though my original loan estimate clearly says it isn't, " Your rate is locked. I am running the numbers to see what makes the most sense with the rate you currently have. '' then she drops the loan amount by $ XXXX from the original $ XXXX I applied for & adds a {$2800.00} ( full point ) fee to lock it in at 3.25 % in a new loan estimate effectively trying to make me pay thousands more to buy down the rate because of the fact that she didn't lock it in to begin with as I specifically requested. I called her out on this on XX/XX/XXXX and she has yet to reply to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: CT

Complaint narrative:
I have reached out to the bureau to inform them of several inquiries that do not belong to me. I asked for proof of documentation of my request and signature and have not received any response. These are the items listed on my report : XXXX XXXXXX/XX/XXXX XXXX,XX/XX/XXXX- XX/XX/2019

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 2021-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Account XXXX was opened on XXXX XXXX and account was paid off completely around XX/XX/2019. Bank of America agreed that once payment was completed, that it was not going to reflect on my credit report anymore. I checked my credit report and I still see all the negative reporting being reflected on my credit report which is hurting my credit report history. I am requesting that either previous call history/recorded calls get pulled up to verify this information since its showing as charged off. I paid the whole amount in order for account to be removed from credit 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 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against COMMONWEALTH FINANCIAL. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against AMERICOLLECT INC. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Ive contactedXX/XX/XXXXon numerous occasions after I received a letter in late XX/XX/XXXX stating that I have a XX/XX/XXXX court date. I was notified that there will be an investigation of the Fraud Alert that XXXX XXXX rejected me twice. They stated that it was a false claim. The false claim is false. I just received a phone call from a young lady by the name of XXXX from Blitt & Gaines today at XXXXXX/XX/XXXXCT. XXXX stated that I communicated with XXXX XXXX & Blitt & Gaines back in XX/XX/XXXX. She said that I called for a hardship so that I wouldnt get my wages garnished. And she also said that I said I had hardship during Covid. Both claims are incorrect so I am waiting for a phone call from the investigation of that phone call where I allegedly said that I was affected by COVID-19 & needed a hardship. At the beginning of XXXX, I received paperwork and appeared to court on that paperwork date. The judge, on the XXXX court call, told me that there was nothing that I needed to do not & that basically Blitt and Gaines filed something to keep the case going. Im just highly confused because now Im being told that I asked for a hardship. The account is not mine. I asked for further fair investigation. And when I asked her to send me the statement that showed the {$2500.00} credit limit being exceed it to over {$3000.00}, and resulting in {$3500.00} with {$.00} balance. Upon asking, she told me there was an address of XXXX XXXX XXXX in XXXX, IL. Ive never resided at XXXX XXXX XXXX and Illinois Postal Service can back that claim. If I need to submit this, I would do so. I submitted a claim back in late XX/XX/XXXX on this platform. I was told that this account was pending investigation by Blitt and Gaines but instead, Wage Garnishment was the pushed objective from the company. The only other option discussed was 24-36 months of voluntary payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: DC

Complaint narrative:
I've tried to settle the dispute amicably and have the itesm with XXXX XXXX deleted from my credit reports. 

I spoke with XXXX XXXX representative XXXX XXXX who disclosed on XX/XX/21 at XXXX that the account can not be reported to a credit reporting agency and payment or non-payment of the account will not affect my credit score. I have a voice recording of the XXXX XXXX official. 

The XXXX XXXX acounts are being reported negatively and the data is from XXXX  yeara go and is improper. 

I agreed to settle, in good faith one acocunt, but the XXXX, First Source refuses to delete the item XXXX its collector denote and clesr the item.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: CT

Complaint narrative:
I have reached out to the bureau to inform them of several inquiries that do not belong to me. I asked for proof of documentation of my request and signature and have not received any response. These are the items listed on my report : XXXX XXXX XXXX  XXXX, XXXX- XX/XX/2019

Company response to consumer: Closed with explanation