vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-15 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {XXXX}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {XXXX} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a savings and checking account in mid XX/XX/XXXX. The terms of the deal I opened the accounts under was that {$15000.00} in new funds needed to be deposited within in the accounts and maintained for 60 days at which point a {$400.00} bonus would be paid by Citi. I funded the accounts with over 15k and have never removed any money so the accounts as they currently stand still have over 15k in them. 

I helped my parent 's open accounts under the same terms and they received their bonus a couple months ago. Just as a note I do not live at the same address as my parents nor do we have any co-mingled funds if that matters. After waiting the full length of the advertised period that Citi has to fund the bonus and having not received the bonus I contacted customer service via chat. 

On XX/XX/XXXX I chatted with XXXX via secure Citi chat and was told that the bonus will post no later than XX/XX/XXXX. The bonus did not arrive by the XXXX. 

On XX/XX/XXXX I chatted with XXXX via secure Citi chat who said that the bonus should have arrived that week. It did not and so he opened an investigation case stating that the case can take up to 5 business days to be resolved. 

It is currently XX/XX/XXXX and I have not received the bonus or any further information from Citi even though the 5 business days is long since passed. 

I understand that delays can occur and am simply looking to receive the bonus earned, but have had no progress from working with the company directly.

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 2021-06-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
During the pandemic I was cut from my job causing me to be late with Chrysler capital. They didnt offer a deferment plan or anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are multiple inquiries on my credit report that I do not recognize they have not been signed or authorized by me I have been disputing these since XX/XX/XXXX and nothing is being done!!!! 

Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXXnquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : CONTEMPORARY INFORMATI Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : NOWCOM/WESTLAKE FINANC Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : CERTIFIED CREDIT XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX CARD Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2021-06-15 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
So it all started when my PPP loan for my XXXX  was sent to my Paypal account to pay my vendors and catch up on all my bills that were due to sustain the life of my business well out of nowhere PayPal decides to lock my account for suspicious activity when there was no suspicious activity in the first place because the bank account that was linked to my Paypal account I had authorization to use and send them written consent and signed and dated the way that they wanted it to be to use the account on my PayPal account well I make one transfer and then I go to make the other one to pay my vendors because the PPP funds are supposed to be spent and dispersed in order to receive your second draw well they locked {$9500.00} down on my PayPal account due to suspicious activity or fraudulent activity when there was no fraudulent activity in the first place I made a transfer to my significant others banking account in order to draw the money off because PayPal has been giving me such a hard time about getting my money well now they have locked my account down with my first draw PPP funds in the account so therefore I can't disperse all my funds that were sent to me which has subsequently cause my business to knock on the closing door I'm currently looking at having to file chapter XXXX because PayPal will not disperse this money that is owed to me because of their policy they're pretty much strong arming me into whatever they want me to do so they can collect interest off my money for 6 months when I'm in a crisis with the life of my business and life of my home and everything pretty much so I don't know what to do I've messaged called I've even threatened to take legal action I have contacted the XXXX  I mean is there any way that y'all could possibly help me with this matter with PayPal they're doing this to a lot of people and getting away with it while collecting interest on people 's money that's needed to sustain the livelihood that they have had before the pre-pandemic times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: GA

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692. I recently pulled my credit report and I am a victim of id theft. someone has stolen my identity, I want to investigate these fraud accounts and press charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ

Complaint narrative:
I have applied with Ameri Save XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX all of the Mortgage companies ran my credit told me I was approved then moving foward said I need to have XXXX and XXXX iam low income I added my son he has no debt XXXX XXXX officer said the couldn't approve me didn't even finish application process Ameri Save Mortgage had two loan application the loan officer never contacted me but loan say it's in progress these companies have not displayed any integrity and have taken my information

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
I received a letter for debt collection from the CBE group about a debt owed on an XXXX  account that I do not have. The letter is dated XX/XX/21. The amount of the debt was listed as {$100.00}. We contacted XXXX and they said they do not use CBE group for debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: CA

Complaint narrative:
There are account that I do not recognize on my credit report, nor did I authorize any of these malicious companies to run my credit. Please remove them from my personal credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
car was involved in an accident XX/XX/21. The car was deemed totaled by the insurance company on XX/XX/21. The insurance company contact Bridgecrest and myself contacted Bridgecrest to inform them of the situation. I have GAP insurance on the car. Bridge crest did not closed the account even when they received the check issued from the insurance company. Leaving the account passed due. I was also told by one of the representatives that I would be reported the Credit bureau because I was pass due which would lower my credit score and make it difficult for to get another car. I have all my paper work from when I first purchase the car, a record of all my payment and when the check was issued to Bridgecrest. Ive been waiting to speak with some about the this issue from Bridgecrest. I was told that XXXX XXXX was working on this account. His has yet to return my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was going over my credit report and noticed inquiries that I did not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was going over my credit report and noticed inquiries that I did not authorized.

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 2021-06-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my 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 2021-06-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Brightfunders, LLC
State: MA

Complaint narrative:
I repeatedly receive a Report of Available Funds letter from Homeside Financial LLC. These letters are deceptive and are essentially an unsolicited ad to refinance my mortgage while camouflaged to look like unclaimed funds in an escrow or similar type of account. 

The latest incident is XX/XX/2021. The letter explicitly states {$2700.00} Estimated available funds from my current FHA loan without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I sent proof of these unauthorized inquires to Equifax and XXXX XX/XX/2021 and I have not gotten a response from neither company yet. I have proof in the FTC Identity Theft Report and attachment labeled as Exhibit A-B that all of the companies are in Violation of 15 USC 1681 N. The companys willfully and knowingly failed to provide/disclose information required under the provisions of 15 USC 1681. They are now civilly and criminally liable for those Violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
We recently refinanced our original home mortgage, which had been transferred to NewRez, LLC from XXXX Mortgage. The refinancing transaction was with NewRez, which was servicing our existing loan at the time. The refinancing transaction was protracted, troubling, and troublesome in a number of respects that warrant further comment. However, the loan closed in or about XX/XX/XXXX, resulting in our current conventional mortgage loan ( Loan No. XXXX ). In connection with the origination of our current loan, an appraisal of our property at XXXX XXXX XXXX, XXXX, New Jersey, was obtained through an appraiser approved by NewRez. The appraisal, a copy of which is enclosed, reflected a value at origination of {$160000.00}. 

According to our XX/XX/XXXX Mortgage Statement, a copy of which is also enclosed, the principal balance of our loan prior to the XX/XX/XXXX payment was {$130000.00}. Therefore, our loan to value ratio from the inception of the current loan was less than eighty percent ( 80 % ) and no P.M.I. should have been required. Nevertheless, our payment history and mortgage statements reflects the following P.M.I. insurance disbursements from our escrow account : {$11.00} on XX/XX/XXXX, {$11.00} on XX/XX/XXXX, and {$14.00} on XX/XX/XXXX. 

To add to our confusion, on XX/XX/XXXX, NewRez wrote to us, in pertinent part, as follows : Dear Borrower, Under applicable federal or state law, you currently meet all requirements to terminate the Private Mortgage Insurance ( PMI ) for the referenced property. PMI is no longer a requirement for your loan, and you are no longer responsible for the premiums, payments, or fees associated with PMI. An escrow analysis will be completed within approximately thirty ( 30 ) days of cancellation to determine the new payment amount due. 

A copy of this correspondence is also enclosed. Nevertheless, notwithstanding XXXX written representations, a premium disbursement was drawn on our escrow account thereafter ( on XX/XX/XXXX ) in the amount of {$14.00}, which had increased over prior disbursements. The charge was reflected on our XX/XX/XXXX Mortgage Statement, which is also enclosed. 

We contacted NewRez by telephone both before and after the XX/XX/XXXX P.M.I. disbursement was processed in an effort to resolve the matter and be sure that no further P.M.I. would be withdrawn, but have yet to receive confirmation that P.M.I. has, in fact, been removed from our loan.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: CITIBANK, N.A.
State: DC

Complaint narrative:
Citibank is refusing to proceed with arbitration regarding the terms and conditions.

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 2021-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
my paypal account is 180 days locked. i have XXXX in my account. they locked my account for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: NY

Complaint narrative:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

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 2021-06-15 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: NY

Complaint narrative:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
I have been trying to find out how this Caine & Weiner debt collection agency got my information and alleges that I owe them a debt. I have tried disputing it with the three credit companies only to receive a response that the information is accurate. How?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: CA

Complaint narrative:
There are account that I do not recognize on my credit report, nor did I authorize any of these malicious companies to run my credit. Please remove them from my personal credit report. Thank you.

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 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are account that I do not recognize on my credit report, nor did I authorize any of these malicious companies to run my credit. Please remove them from my personal credit report. Thank you.

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 2021-06-15 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: MO

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation