vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to understand why my credit score varies month to month. I pay my credit card balances completely every month, as well as all of my bills.I own my own co-op apartment debt free. My income and my assets have been going up annually for several years as well.The last loan I had was in XXXX for an automobile and that was paid off in 6months. I am being penalized because I have not a mortgage for 15+ years or opened any new credit lines The companies reporting these specious reports as of XX/XX/XXXX are XXXX  and Experian. When I spoke with their representatives they blame the banks. When I speak with the bank they blame the credit reporting agencies.

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 2021-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
XXXX XXXX via XXXX Mon, XX/XX/XXXX, XXXX XXXX ( 21 hours ago ) to me Hello XXXX XXXX XXXX, Your transfer of XX/XX/2021 in the sum of {$240000.00} to XXXX XXXX XXXX has been held for clearance by US Federal Reserve. Your funds of {$250000.00} requires clearance from US Feds, otherwise we may continue to experience one problem or the other with outgoing transfers out of your Citibank XXXX private online account. 

This US Fed transfer clearance will cost you {$7200.00} and it is imperative that the clearance certificate is urgently obtained in your name which will clear and release the pending transfer of {$240000.00} from your Citibank XXXX private online account to your destination bank account and also enable faster completion of your future transfers to destination bank accounts within and outside XXXX and XXXX XXXX. 

Yours Sincerely, XXXX XXXX XXXX Private Banking Unit, Citibank, NA EMAIL : XXXX at first they told me no more fees to pay {$850.00} that i will recieve the XXXX now they telling me to i have to clearance

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 2021-08-17 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: AFNI INC.
State: NC

Complaint narrative:
Early XX/XX/XXXX - I received a letter from a Collection Agency, XXXX claiming that I owed XXXX XXXX {$4500.00}. 

XX/XX/XXXX - I sent a certified letter to XXXX disputing the debt. I asked to see a signed contract and proof that the debt belonged to me. 
XX/XX/XXXX - My certified letter was received by XXXX. 

As of this complaint, I never received verification of the debt from XXXX or XXXX XXXX. 

XX/XX/XXXX - The debt was reported to all three credit bureaus as a collection. 

XX/XX/XXXX - I received a letter from XXXX XXXX XXXX XXXX XXXX Collection Agency. I disputed the debt with them and asked that they provide me with proof of debt. The XXXX stated that I needed to collect that from XXXX directly and they did not place the information on my reports. 

XX/XX/XXXX - I contacted XXXX XXXX to dispute the debt. The agent could not/would not provide me with a copy of the contract or any documentation to verify that the debt belongs to me. Instead, he directed me to contact the store where the transaction took place and wanted me to ask for security footage of who opened the account. 

XX/XX/XXXX - I contacted the XXXX store and asked the Representative to forward me a copy of the security camera footage to verify that it was not me. 
As of this complaint, I have never received any proof that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: McCarthy, Burgess & Wolff, Inc.
State: NC

Complaint narrative:
Early XX/XX/XXXX - I received a letter from a Collection Agency, XXXX claiming that I owed XXXX XXXX {$4500.00}. 

XX/XX/XXXX - I sent a certified letter to XXXX disputing the debt. I asked to see a signed contract and proof that the debt belonged to me. 
XX/XX/XXXX - My certified letter was received by XXXX. 

As of this complaint, I never received verification of the debt from XXXX or XXXX XXXX. 

XX/XX/XXXX - The debt was reported to all three credit bureaus as a collection. 

XX/XX/XXXX - I received a letter from XXXX XXXX XXXX XXXX XXXX Collection Agency. I disputed the debt with them and asked that they provide me with proof of debt. The Agent stated that I needed to collect that from XXXX directly and they did not place the information on my reports. 

XX/XX/XXXX - I contacted XXXX XXXX to dispute the debt. The agent could not/would not provide me with a copy of the contract or any documentation to verify that the debt belongs to me. Instead, he directed me to contact the store where the transaction took place and wanted me to ask for security footage of who opened the account. 

XX/XX/XXXX - I contacted the XXXX store and asked the Representative to forward me a copy of the security camera footage to verify that it was not me. 
As of this complaint, I have never received any proof that this debt belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have filed numerous complaints and until this is resolved I am going to continue before I engage an attorney. I need XXXX XXXX and an outside party to go over the conversations starting in XX/XX/2019 when I first asked them about doing a home assistance program. I need them to LISTEN to the conversation that stated that my options at the end of the Assistance program is 1. pay the shortages at the end of the loan, 2. with a surcharge with the normal mortgage payment, 3. or in a lump sum. At the end of the assistance program, they advised me that I didn't qualify for this and my only option was 40 years. I kept asking why and they told me that isn't what I qualified for. I would have never done the program if the options were changed. I then am told that my hours being cut from 40 to 8 a week wasn't covid related, which I wasn't asked and it was. I then was told after my 1st complaint that they put me on 2 different programs that I was never aware of nor consented to then sold my mortgage to another company and continued to mark me late via the credit report. The calls need to be listened to entirely and I will not talk to a XXXX XXXX in their executive office who wouldn't let me speak and cut me off and raised her voice advising me that I don't need to be calling since I know I was wrong. She doesn't need to be in that office and I need a complete investigation done correctly

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 2021-08-17 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: MA

Complaint narrative:
I received notice of a collection account reporting on my credit from XXXX XXXX XXXX XXXX for a debt they have reported twice on my credit report. This error is in violation of the FCRA reporting act and I have disputed the reporting with little to no help from XXXX or the credit bureaus. All validation they have sent me for the account only validates a collection on my report titled XXXX  not XXXX  or XXXX  XXXXXXXX  The account reports 3 separate account numbers for the same debt. The one they have repeatedly validated with no contract bearing my signature is the account beginning in XXXX which reports as XXXX  not as XXXX. The actual account reporting as XXXX  shows a different account number beginning in XXXX which they have not validated once despite numerous attempts. How can I have 2 open accounts with one company for one debt reporting as two accounts with two different account numbers this is in clear violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I recently had to pull my credit report because I was going to apply for new car and found violations on my account which will hinder me from getting new car. I understand pursuant to 15 US Code 1681a2B any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a CREDIT CARD or similar device '' should be excluded from a consumer report. Well I am pretty sure by definition listed in 15 US Code 1681a is the same as 15 US Code 1602 ( l ) credit card is any card, plated coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. By definition this is my social security card. I found several accounts which were derived from my credit card a.k.a. my social security card and should by law must be excluded from my credit report. This is a violation of 15 USC 1681a2B. I also did not give written content for none of these accounts pursuant to 15 US Code 1681b2 which is another violation. Consumer reporting agencies are to respect my right to privacy pursuant 15 USC 1681a4 and they did not and violated my rights as a federally protected consumer. I havent been able to sleep, with extreme anxiety, and I am worried I wont be able to get a new car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: NC

Complaint narrative:
I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX-XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX DEPTEDNELNET-XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX  XXXX-Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I got alert on the XX/XX/2021 on my XXXX  credit report ENQUIRIES that a credit car is being applied for on my information which I never did. This credit card application is linked to Chase Bank. I dont know whos using my information to apply for credit cards which is totally fraudulent and I want quick actions to be made to the address that the credit card is applied with and bring who ever did that act to book. This is how crime start and Im not in support of anything crime. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
I took out an auto loan in XX/XX/2019 with a high APR of 25.51 %. With only one late payment and 3 extensions, my account shows that I've only paid off {$600.00} of my financed amount of {$16000.00}. I called the company to explain the breakdown and requested my original contract, but they disconnected the line. She did try to explain before the disconnection that it depends on when I pay it every month? I've paid every month on time, but one. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I contacted US bank customer service on approximately on XXXX of XXXX to inquire about the {$400.00} bonus status. The rep said that the bonus was going to post on Monday ( XXXX ), and that they will also file an investigation about why. 

I got a callback on XXXX from US bank telling me that although I met the {$4000.00} direct deposit amount, they saw that the online banking e-statement requirement wasn't met. However, US bank was having issues when I was signing up for online account at the time, and they assured me that the correct promotion codes would be applied for this promotion and that they will do handle things on their end that the e-statement and the initial deposit requirements would be met. 

I called back again today ( XXXX  ), and was on a phone call for 3 hours with the rep, and the customer service rep today basically made some calls and said that she would transfer me to whoever 's in charge of making this determination, and sent me to a relationship banker ( who in turn told me that they do not handle this type of issues ). Then this relationship banker transferred me again which went to the very start of the customer service number. 

I am highly dissatisfied and disappointed with 1 ) the way U.S. Bank is not following through with their promises/terms ( the representative promising me that the bonus would post on XXXX, and even earlier when I was signing up when they were having website problems on their bankend that all would be handled on their end for this promotion ), and 2 ) the way Customer Service is handling my inquiries and complaints by " passing the buck '' for hours on end. 

I am including the screenshots of the email correspondence of what I have. U.S. bank should have the recordings of all phone calls from me to look into the matter.

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 2021-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: GA

Complaint narrative:
On XXXX XXXX Discovery Card closed 1 of my account because of a verification process. I told the lady the first time I called that I haven't filed my taxes in the last 2years. So, 13 days went by and my account was closed. Then on XXXX XXXX I get another email about verification process for my other account with Discovery Financial Services saying if I don't respond by XXXX XXXX that this account will be closed. So, I call them on the XXXX of XXXX and I told them the same thing I told them previously and the lady said my account was closed. What is really going on? And I had this account since XXXX  when it was a secure card! Why didn't they ask me all this then.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
After noticing some missing and inaccurate data on my credit file. I faxed in an investigation request on several occasions. This is the attempts I made XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX and I mailed on XX/XX/XXXX. I got no response to any of them. I will attach the latest letter on XX/XX/XXXX since I have gotten no response and the failure to investigate the accounts should be removed or updated.

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 2021-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was scammed by a XXXX ad on XX/XX/21. Supposed to purchase a XXXX generator for {$110.00}. Never received it. Scammer gave a tracking #. USPS investigated ( Case # XXXX ) and said whatever was sent ( I'm sure it wasn't a generator ) went to XXXX XXXX XXXX in XXXX XXXX, CA on XX/XX/21. This is a residential address which has nothing to do w/me. Paid thru XXXX using Chase credit card. Opened a complaint w/ XXXX ( XXXX ) and w/Chase ( XXXX ). XXXX informed me that since I had disputed the charge w/Chase they were halting their inquiry. Chase informed me that they had judged the purchase valid because " the merchandise was sent to the location agreed to by you and the merchant ''. This was a lie. I called Chase and asked how they knew this and was told that " the merchant had suppled that information ''. So Chase took the word of a criminal scammer over their customers. Outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX-Balance : {$500.00} ( Original Creditor : Medical ) XXXX-Balance : {$170.00} ( Original Creditor : Medical ) XXXX-Balance : {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
this company did not remove 2 account that are over 7 years old from last transaction, each time i dispute, transunion writes to creditor and gets reply and they use that reply date as last transaction and in fact they transaction is responds date from communication from transunion to creditor, these 2 items in question has been charged off over 7 years ago and according to transunion own records and fcra, any account since last transaction over 7 years should be removed or delete, and that is what i asked, i checked with creditor and they have no records on this communication, i asked from transunion a procedure letter on this dispute over 30 day ago and did not get one, since transunion has 2 accounts, charge off account from over 7 years old, and did not sent me procedure letter on dispute, I ASKED FOR THE 2 CHARGE OFF ACCOUNTS, BE DELETED AND REMOVED, ASAP

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 2021-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CMG Financial Services, Inc.
State: TN

Complaint narrative:
XXXX XXXX was pre-qualified with us at XXXX XXXX. She went to XXXX XXXX to have a new home built in a new neighborhood. XXXX is offering her {$15000.00} in upgrades if she uses one of their preferred lenders, instead of using us at XXXX XXXX. Their preferred lenders are paying them for advertising on the XXXX site and for being one of their preferred lenders. Since customers are receiving something of value ( upgrades ) and these lenders are paying XXXX money for advertising, I believe this constitutes a kick back. The lenders aren't really getting anything from the advertising, but they are getting a ton of business from the thing of value being offered by the builder, which is why they are willing to pay for advertising. Here is the link to their preferred lenders in my local XXXX, TN area : XXXX XXXX XXXX XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: MA

Complaint narrative:
I received notice of a collection account reporting on my credit from XXXX XXXX XXXX XXXX for a debt they have reported twice on my credit report. This error is in violation of the FCRA reporting act and I have disputed the reporting with little to no help from XXXX or the credit bureaus. All validation they have sent me for the account only validates a collection on my report titled XXXX  not XXXX  or XXXX  XXXX. The account reports 3 separate account numbers for the same debt. The one they have repeatedly validated with no contract bearing my signature is the account beginning in XXXX which reports as XXXX  not as XXXX. The actual account reporting as XXXX  shows a different account number beginning in XXXX which they have not validated once despite numerous attempts. How can I have 2 open accounts with one company for one debt reporting as two accounts with two different account numbers this is in clear violation of the FCRA

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