vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I talked to XXXX XXXX VP at Citizens Bank, about honoring a rate of 3.125 for switching to them. XXXX sent me an email in writing after talking to assure me that my rate of 3.125 would be honored. I was told on the call that I would see points and a cost I had to pay show up, but to ignore it and they'd credit it on the back end. XXXX assured me he'd send me an email saying they'd honor the rate so not to worry about it. XXXX said XXXX XXXX would take care of me and he would fill him in on the situation. 

From there I worked with XXXX XXXX, I mentioned multiple times during calls with XXXX that the numbers were still showing on disclosures and XXXX said XXXX and team was working on it. 

I reached out via email on XX/XX/XXXX after receiving another disclosure showing XXXX in fees I owe for points to lower my rate. This is 2 weeks before closing on the home. In my reach out I asked when this would be addressed. I received a phone call from XXXX XXXX on XX/XX/24 explaining that they would not be honoring what was sent in an email over a month ago, but rather I would be having to pay to lower my rate to the agreed upon amount and encouraging me to explore moving my rate up. 

I've been told there is nothing they can do there is a maximum of 1 % they could credit me, and that I would be left to pay the rest. No one informed me of this, or ever discussed this in writing of via phone call with me until we're 2 weeks away from closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: SC

Complaint narrative:
The credit bureaus are still reporting that I owe XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX. The information they have about where they sent the loan isnt even mine. So I would ask to remove XXXX XXXX XXXX XXXX from my credit report. My father has the same name as me and we have lived at the same address at times. So not sure if this is his or not. I shouldnt have to suffer bad credit for something that doesnt even belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
multiple ( certified ) letters sent to company to verify this supposed debt per FCRA which is showing on my consumer credit reports. 

Capital One has sent multiple invalid responses to my requested information per sections 609 and 611 of the FCRA. Company instead sent information on receiving an application by phone/internet, and the last bill and payment sent for the supposed account. They also mentioned this account being opened with a valid contract between Capital One and I, but didnt send a copy of that requested contract. 

another certified letter was sent ( and received by Capital One ) on XX/XX/21 asking for proper validation again including a copy of the supposed signed contract.. In addition, reminding them that I never gave consent ( per 15 U.S. Code 1681b ( 2 ) to furnish any of my personal information to anyone. This letter has not been responded to as of yet and information is still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION
State: UT

Complaint narrative:
LightStream has discriminated against me, I applied for a personal line of credit of {$100000.00} on XX/XX/2022, and got denied. Emailed the company today XX/XX/2022 after having a hard time finding contact information on their website, and got a email back saying their email was full a few minutes after!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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:
i have a collection on my credit report that pop up and its not mines its fraudulent and i want it removed under the fair credit reporting act ( FCRA ) XXXX XXXX XXXX also i have 5 inquiries that is not mines and i want it removed as well asap under the FCRA cXXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX - XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: TX

Complaint narrative:
To whom it may concern, ( TRANSUNION XXXX XXXX ) This XXXX account needs to be updated to Closed/charged off with a zero balance. XXXX and XXXX are showing a zero balance also XXXX and XXXX are not showing this as revolving credit either. So you all need to delete this or update like the other two. Stop putting this account as revolving credit as its not. Its a closed/charged-off account. Also as you see major acct stuff reporting wrong throughout all XXXX bureaus.. The credit limit amts are not matching on each report as well as the dates last reported nor the date of last payment, the date last active. Pretty much this needs to be deleted from my account as its reflecting incorrectly and harms my ability to obtain a mortgage loan. My lender told me that this is hindering me and also that its not matching as well. Please delete my XXXX account or show a zero balance and show as close as the other two bureaus. Yes, they all say charge off, I get that, the thing thats not reflecting on your bureau is that there's no balance, and it's closed. Pretty much you all should delete this whole account for inaccurate reporting altogether. It's right here in proof. 

Thanks, XXXX XXXX last four 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 non-monetary relief
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
CKS Prime Investments has been advised that I am a victim of Identity Theft and continues to report an account to my credit reports for XXXX, XXXX, and XXXX  although advised as such and requested removal and cease and desist. I am a victim of identity theft and I have removed fraud listings from credit reporting as it prevents me from accessing my own credit file. I have had my information compromised as a result of being involved in multiple data breaches including but not limited to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Duvera Billing Services, LLC
State: NJ

Complaint narrative:
I looked into trying to work out a lower interest which is higher then 600 %. They took out double in one paycheck XXXX on XX/XX/22. I try to call but it tells me there are 75 people ahead of me. If I just pay the minimum I will end up paying almost if not double what I was originally given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: WI

Complaint narrative:
I have unauthorized inquiries on my report that Equifax has blatantly refused to remove and/or investigate. Furthermore, they have ignored all of my letters and/or requests for inaccurate information to be deleted or corrected. This is a blatant violation of the FCRA. I have sent letters, I have sent letters and I have emailed. Each time I've attached copies of an FTC report and copy of FCRA 605 b. And yet, the unauthorized inquiries remain with zero response from Equifax. 
Furthermore, they continue to report a legally unverifiable bankruptcy in which I've sent letters from Courthouse and XXXX that state they neither report nor do they verify bankruptcies. Per the FCRA, if an item can not be verified by the original creditor it is to be deleted. 
These are at least two violations of the FCRA in which I'm allowed to demand {$1000.00} for each violation. 
I've been trying to resolve these issues with Equifax since XX/XX/2021. That is more than enough time and still Equifax had not done anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
multiple ( certified ) letters sent to company to verify this supposed debt per FCRA which is showing on my consumer credit reports. 

XXXX XXXX has sent multiple invalid responses to my requested information per sections 609 and 611 of the FCRA. Company instead sent a record of application. which doesn't have the full social security number, full birthdate, drivers license number OR signature of the applicant another certified letter was sent ( and received by XXXX XXXX on XX/XX/22 ) on asking again for proper validation and again including a copy of the supposed signed contract. In addition, reminding them that I never gave consent ( per 15 U.S. Code 1681b ( 2 ) to furnish any of my personal information to anyone. This letter has not been responded to as of yet and information is still showing 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 non-monetary relief
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: SC

Complaint narrative:
The credit bureaus are still reporting that I owe XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX. The information they have about where they sent the loan isnt even mine. So I would ask to remove XXXX XXXX XXXX XXXX from my credit report. My father has the same name as me and we have lived at the same address at times. So not sure if this is his or not. I shouldnt have to suffer bad credit for something that doesnt even belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24 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: SC

Complaint narrative:
The credit bureaus are still reporting that I owe XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX. The information they have about where they sent the loan isnt even mine. So I would ask to remove XXXX XXXX XXXX XXXX from my credit report. My father has the same name as me and we have lived at the same address at times. So not sure if this is his or not. I shouldnt have to suffer bad credit for something that doesnt even belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have attempted to reach out to Midland Credit Management multiple times at the phone number listed on their listings on my credit reports. I have not been able to reach anyone due to being told that the department who is handling the accounts are busy. I have been attempting to advise them that I am a victim of Identity Theft/Fraud and to notify them to remove their listings on my credit reports fro XXXX, XXXX, and XXXX. Due to not being able to reach anyone by phone. I did send documentation to their Compliance department via email and they are still reporting to my credit reports. I have removed the fraud alerts from my reports that were previously listed as they prevented me from accessing my own credit file which made it difficult to catch fraud as I had no access to my credit file and do not authorize any alerts being added but only listings to my credit file being removed by Midland Credit Management and providing proof that they have processed removal request via Eoscar and written letter on letter head uploaded to the CFPB portal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Webcollex, LLC
State: WV

Complaint narrative:
On XX/XX/2022 I had submitted a letter asking for written verification of the debt CKS Financial is trying to collect. I had not received any information prior to XX/XX/2022 and have not received written verification by today XX/XX/2022. On XX/XX/2022 I started receiving numerous calls from XXXX on this date I have received 5 calls from this number with 3 being back to back calls. On XX/XX/2022 I again sent a letter requesting that contact be written and wanted verification of the debt. I have still not received verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: NJ

Complaint narrative:
I called company to ask about lowering my interest rate so I do not pay them double what I took out because of high interest rates. I tried working it out but never agreed. I would like to cancel debt if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX  Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: IL

Complaint narrative:
Jefferson capital keep hit me up about a debt I have nothing to do with. XXXX this account was open fraudulently by someone. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
In XXXX I visited XXXX XXXX XXXX in XXXX XXXX, GA. I was XXXX at the time and now I am XXXX, my mom signed a form with them that she was liable and was consenting for the treatment since I was a minor. I have contacted XXXX XXXX XXXX and they have confirmed with me that since I was a minor the debt will be dropped. On XX/XX/XXXX I.C. System INC opened a collection account for the bill from XXXX and did not notify me. On XXXX XXXX I found about about this account when they filed on my credit report, the amount is {$650.00}. I have called them and they have told me it does not matter that I was a minor i still have to pay the bill or they will garnish my wages and take me to court and needed my Mothers name so they can take her to court also and now refuse to speak to me when I call. I am confused as why I am just now learning about a debt from XXXX especially when i was a minor and now its XXXX. According to XXXX XXXX XXXX the bill should have been dropped when I was XXXX or assigned to my mother but I am not legally reliable for it. I live in Georgia.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Grain Technology, Inc.
State: LA

Complaint narrative:
I was charged a {$70.00} annual fee from Grain and in my documents it says no annual fee. The company automatically took {$70.00} from my checking account for an annual fee that Im not suppose to have. I have my agreement from grain that says no annual fee. This is wrong what they did and a scam. Im so upset and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Capital One, XXXX XXXX XXXX, XXXX, Utah has been ATTACKING my Credit Report with repeated HARD Inquiries of at least once ( sometimes twice ) per month! My account with them was CLOSED on XX/XX/2020, but the attacks have been happening continuously ( without fail ) from XXXX 2020 until present, well after the account was closed! After speaking to no less than four ( 4 ) customer service reps, nobody at Capital One or its debt collection agency ( " XXXX XXXX '' ) had/has the capability to stop the AUTOMATED hard inquiries! This has created irreparable harm to my Credit Score and must be stopped immediately. Please intervene on my behalf to serve a Cease & Desist notice on Capital One asap. Thank you very much!

Company response to consumer: Closed with non-monetary relief