vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-24 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: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself. This company is currently showing 30 days late for the month of XX/XX/2020 in Equifax. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 

( XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I applied for a XXXX Mortgage XXXX with Rocket Mortgage in XX/XX/2021. The Lender Representative whom I initially spoke to via mobile telephone told me that when I qualified for their Mortgage Refinancing that I would also get a Cash Out for approximately Seventy-Nine Thousand Dollars. He also told me that I would have to put down Five Hundred Dollars to keep the Two Point Five Percent ( 2.5 % ) Interest Rate but he never mentioned that my down payment will not be reimbursed if the Assessor does not find my house meet Rocket Mortgage requirements regarding the value of my real estate property. Also, Rocket Mortgage sent a Deposit Agreement with a counterfeit signature of my name after the fact that I verbally notified XXXX XXXX XXXX, Executive Resolution Advocate, from Rocket Mortgage, that I was cancelling my Refinance Mortgage Application. I was misled by Rocket Mortgage by denying to reimburse my {$500.00} ( Five Hundred Dollar ) deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Pursuant to 15 usc 1681a ( XXXX ) ( B ) 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. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I applied for Citizen checking account on XX/XX/2021 and got approved on XX/XX/2021. I used the link in the approval email to open an online banking account, but no information match in their database, and I called customer service on XX/XX/2021 for help to open an online banking account, I was told my application is under review. I received my physical debit card on XX/XX/2021 and I tried to open an online banking account again, still, no match and I can not open the account. I received another letter that was sent out on XXXX ( the day I called customer service for the first time ) from Citizens Financial Group IncXXXX on XX/XX/2021, and I was told my account was closed. I called customer service on XX/XX/2021 and asked why my account was closed. The agent can not explain it to me just told me it was due to a security reason, and that was the company 's decision. On the same day, I received my PIN from Citizens. 

With only a debit card, no other account information, then my account was closed. Citizens Finanical Group Inc. did not provide any solid justifications on why they are closing my account. The so-called " security reason '' is a vague term and really sounds ridiculous when there were no transactions being made via the debit card. 

It is understandable that sometimes a bank would like to verify information with the customer. However, Citizens Financial Group Inc. made no attempts to contact me for any information but simply decided to close my account instead. This practice is unusual and does not conform with industry standards and procedures carried out by other financial institutions when they think there is a potential security reason. 
On Citizens Financial Group Incs website, it promotes that the Citizens bank as Hel customers. This is certainly misleading given the fact that a consumers card is unreasonably closed BEFORE the card arrives via mail. 

I hereby share my experience here to alert any other consumers like me that might be fooled by Citizens Financial Group Inc. and I would like to raise public awareness of the shady practice of Citizens Financial Group Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: FEDChex Recovery, LLC
State: FL

Complaint narrative:
They keep calling non stop from different numbers and texting me past XXXX oclock. This is their website XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
The charge off amount on this account is paid off by the insurance company and now that it has XXXX balance it needs 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 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
This complaint is against Amerisave Mortgage and XXXX XXXX Loan Originator NMLS ID # XXXX Amerisave Mortgage Corporation XXXX ID # XXXX XXXX XXXX XXXX, Suites XXXX & XXXX XXXX TX XXXX The purpose of the complaint is to point out deceptive and potentially illegal methods being used by Amerisave Mortgage. Since there a multiple concerns that span a period of 4 months, providing all details will be extensive for this initial complaint. Some of the key points are ; XXXX. Over a period of 120 days, Amerisave changed the XXXX & XXXX approximately XXXX  times. 
XXXX. XXXX XXXX refused to lock the rate, and stalled the application and re-finance process so that Amerisave could charge a higher rate. 
XXXX. On XX/XX/XXXX on a recorded line, I instructed XXXX XXXX not to conduct a hard credit inquiry. This was on a recorded line. Provided my instructions on Saturday XX/XX/2021, XXXX pulled my credit report. 
XXXX. On XX/XX/2021, I was contacted via email by XXXX XXXX ( XXXX ID # XXXX ), who wanted a letter so they could reverse the unauthorized credit pull, even though Amerisave violated FCRA regulations, they would not reverse the inquiry. 
XXXX. In an email of XX/XX/2021 : XXXX XXXX initiated a XXXX application " WITHOUT CONSENT '', XXXX. In an email of XX/XX/2021, XXXX XXXX provided a copy of an Appraisal Report, this appraisal was conducted without my consent. 
XXXX. In an email of XX/XX/2021, XXXX XXXX advised me that Amerisave has declined my application for Re-finance. 

The last date I contacted Amerisave was XX/XX/2021, therefore no application for a re-finance was submitted by me, hence Amerisave under fraudulent means boarded an application and subsequently denied it. 

In my possession I have emails, text messages, and loan estimate documents which can be provided during the investigation process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Un-signed withholding documents. Transaction coded as a tax levy however Bank of America is unable to furnish supporting documentation for deductions against the account. Internal fraud. See attachments.

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 2021-11-24 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: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself. This company is currently showing XXXX days late for the month of XX/XX/2020 in XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 

( XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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:
XXXX Account identified as fraud - the company promised to remove it from my report and has removed all except Transunion. Transunion somehow keeps verifying the account when it was fraud

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 2021-11-24 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: PA

Complaint narrative:
The XXXX account listed on my credit report has been cancelled. The bank issued a XXXX and the account has been filed as earned income. Since the account has been filed with the XXXX the account status is now earned income. INCOME IS NOT REPORTED ON CREDIT PROFILE. PLEASE DELETE IMMEDIATELY. 

This is a violation of XXXX XXXX XXXX XXXX - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

If account is not DELETED IMMEDIATELY I will take legal action to for negligent or willful noncompliance with the law. 


I AM NOT A CREDIT REPAIR COMPANY

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 2021-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
You guys have closed the earlier complaint against XXXX for not removing a XXXX collection after I paid it in full and they have a letter from the collection agency proving its paid in full and is to be removed. I just looked on XXXX page. I signed in and this is what is on there. Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$XXXX} Amount {$XXXX} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # XXXX Creditor Classification XXXX Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX So the amount is still there. The report is still there but they told you that it was taken care of. No its not. If you will notice the full amount I owed is still on there. They do not care. They are going to do what they want to do and to heck with the rules and regulations. Im fed up with them and demand they remove it immediately. I will get a lawyer. Its ridiculous as if life is not hard enough as it is people have to deal with junk like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them multiple requests, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my credit report : XXXX XXXX. OF XXXX XXXX Balance {$XXXX} ; XXXX - XXXX Balance {$XXXX} ; XXXX - XXXX Balance {$XXXX} ; XXXX - XXXX Balance {$XXXX} ; XXXX - XXXX Balance {$XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: PA

Complaint narrative:
The XXXX XXXX  account listed on my report has been cancelled. The bank issued a 1099C and the account has been filed as earned income. Since the account has been filed with the IRS the account status is now earned income. INCOME IS NOT REPORTED ON CREDIT PROFILE. PLEASE DELETE IMMEDIATELY. 

This is a violation of 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

If account is not DELETED IMMEDIATELY I will take legal action to for negligent or willful noncompliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I was a litigant of the XXXX XXXX XXXX XXXX XXXX. This State of XXXX XXXX, XXXX XXXX XXXX stole what was ordered by at the XXXX XXXX. Total amount {$XXXX} XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: MO

Complaint narrative:
Pursuant to 15 usc 1681a ( 2 ) ( B ) 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. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the negative accounts reporting on my Credit Report : XXXX XXXX**-Balance {$1300.00} XXXX XXXX-Balance {$580.00} XXXXXXXX XXXX**-Balance {$3000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24 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: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself. I'm not swayed that XXXX  efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX is reporting inaccurate information on XXXX. Per XXXX, reporting must be XXXX % accurate or the information must be deleted. 

( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: TX

Complaint narrative:
This loan was refinanced through Oklahoma XXXX XXXX XXXX. A check was sent to US Bank on XX/XX/XXXX in the amount of {$47000.00}. Instead of paying off my loan on XXXX they made a payment to my account of {$720.00}. Another payment was made the same day in the amount of {$46000.00}. The account showed closed out on my credit report a week later. I received a letter that showed a balance of {$160.00} on XX/XX/XXXX. The explanation that I received was it was interest owed because they split the payment up in XXXX payments. I checked my credit report and the loan had been reopened with a balance of {$160.00}. I am filing a complaint for unfair business practices. This loan was paid off on XXXX and Oklahoma XXXX XXXX XXXX still have not received the title for the vehicle. When I login to my account it shows a XXXX balance. Also my next payment is due XXXX in the amount of {$720.00}? I need this issue resolved and refunded the {$160.00} that I had to pay because of their illegal business practices. I also did not receive my first payment statement until XXXX  days later XXXX days before my payment was due. Please advise Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: LEXISNEXIS
State: VA

Complaint narrative:
Lexis Nexis is reporting inaccurate bankruptcy on my credit report I have been trying to see how this how verified this because this information this not match my records and under section 168 of the FCRA they are suppose to verify all information that is being reported incorrect in 30 day or remove it from my report they have not done either one and I need all inaccurate information removed

Company response to consumer: Closed with explanation