vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-20 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I filed two complaint with the Consumer Financial Protection Bureau. They haven't even received or prossed in last two weeks do you all work with Mr Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
This loan was opened XX/XX/2021 for {$5700.00}. I missed a payment by a day and then this company turned into spam calling company. Calling me late at night after XXXX and on the weekends. The calls got so bad I couldnt even conduct job interviews. I informed the company not to call me because their auto-dialer system seems to call me at all times of the day. I was told it would be removed. But the calls persist. Now I was served with papers setting that Mariner Finance is suing me for one missed payment. 
The Claim states on the court doc " The account opened on XX/XX/2021. The account is due XX/XX/2021. I will never do business with this company again. The company never tried to make any arrangements after the missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: TX

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: NY

Complaint narrative:
Filed 4 disputes with EQUIFAX ( EQ ) to remove negative information from my CR because the reporting period is past 7 years for 2 accounts ( # XXXX, XXXX, XXXX, XXXX ). Basis for 1st account : 1st delinquency occurred in XX/XX/XXXX. Basis for 2nd account : 1st delinquency occurred in XX/XX/XXXX. Proof was sent in the form of Billing Statements I received from creditor XXXX, upon request and a Transaction History Report sent to me from the creditor XXXX XXXX XXXX XXXX ( XXXX  ). These document from the creditors verifies ( 1 ) the information on my EQ CR is inaccurate, ( 2 ) the negative information is past 7 years and ( 3 ) the accounts are at least 10 years old -and should be removed entirely. The point that EQ is negligent in upholding the FCRA - 15 USC 1681i ( 611 ) ( a ) ( 5 ) ( i ) ( ii ) ( iii ), is the fact that the same documents obtained from both creditors, as described above, were submitted with my disputes to both XXXX and XXXX and both credit bureaus took appropriate action and removed the negative information entirely and in removed the accounts. I am being harmed by EQ 's negligence, each day the negative information remains on my CR. I want them removed as required by law ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: LA

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hi My name is XXXX XXXX with XXXX # XXXX. I am just writing to ask XXXX going on with your investigation, I wrote you the dispute letter over a month ago but I havent heard anything frm you. I hear you were required by the Government to respond to my request but I dont undestand why i feel like my letter was being ignored. i'm seeking all the help that I can to get these errors straightened out as soon as possible.

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 2021-09-20 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: PA

Complaint narrative:
Hi My name is XXXX XXXX with XXXX # XXXX. I am just writing to ask XXXX going on with your investigation, I wrote you the dispute letter over a month ago but I havent heard anything frm you. I hear you were required by the Government to respond to my request but I dont undestand why i feel like my letter was being ignored. i'm seeking all the help that I can to get these errors straightened out as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: Yamaha Motor Finance Corporation USA
State: SD

Complaint narrative:
I sold the vehicles and then paid the loan off on XX/XX/21 and Yamaha Motor Finance Corporation has not released the title. Yamaha Motor Finance had previously bought this loan from XXXX XX/XX/XXXX. Every time I call Yamaha they tell me they will submit the request to XXXX to release the title and it can take up to a week. I have call three times to request this and they say all they can do is submit another request to have XXXX release the title. I have asked them to escalate this and to call someone at XXXX and they say that they can't, they can only resubmit it to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: ID

Complaint narrative:
XX/XX/2021 : Opened Citi Priority Checking and Savings accounts using the link on the {$700.00} promo ( promo screenshot attached and welcome email attached ). 

XX/XX/2021 : Accounts fully funded with {$50000.00} by XX/XX/2021. This money has been left in the accounts this entire time ( as of today XX/XX/2021 ). ( screenshot attached ) XX/XX/2021 : Contacted Citi inquiring where my {$700.00} was. I was told that I had successfully opened the accounts and funded them by XX/XX/2021, and maintained balance for 60 days and was eligible for the promotion. I was told I would receive it 90 days from the XXXX day from XX/XX/2021 ( which is XX/XX/2021 ). I was specifically told I would receive it well by the end of XXXX. ( screenshot attached ) XX/XX/2021 : Contacted Citi again and they apologized that the bonus had not been applied and raised a dispute ( XXXX XXXX ). They said the investigation could take as long as 5 business days. ( screenshot attached ) XX/XX/2021 : Contacted Citi again, having received neither the bonus nor any response on the dispute. Was instructed to call an XXXX and give my dispute R number. ( screenshot attached ) I called this number and spent 10 minutes trying to get to a representative. It was not a number to a dedicated dispute department but rather was just a general customer service line and I could never get out of the automated AI person.

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 2021-09-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
M & T Bank has been contacted several times. The last time was XX/XX/2021. As the servicer of a loan with XXXX XXXX XXXX now XXXX XXXX XXXX , M & T were notified that the property attached to the loan was sold and closed out on XX/XX/2021. M & T continued to deduct {$300.00} from my business account which created a problem of taking my money for a mortgage that was closed out. M & T suggested talking to XXXX. I did so on on two separate occasions XX/XX/2021 and again today XX/XX/2021. At M & T I have spoken with XXXX, XXXX XXXX, XXXX XXXX XXXX. At XXXX, I spoke with XXXX XXXX, asset manager. Maybe my like name confuses M & T in the communication since I am sent back & forth between the two entities. The resolution is simple. M & T accept the payoff from funds received at closing on XX/XX/2021, XXXX out the mortgage account and refund all {$300.00} payments plus {$35.00} bank fees after XX/XX/2021 from my business account. These actions have disrupted my life and business.

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 2021-09-20 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: MA

Complaint narrative:
On XX/XX/2021, I sent a letter in regards to off base and obscure things on my credit report. Right up 'til the present time, more than 30 days after the fact, I have not gotten a response at this point. I feel like I'm being taken advantaged of and being overlooked. Section 611 ( a ), It expresses that inability to research these things inside 30 days gives motivation to quickly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased expeditiously. I request that these records be erased promptly or I will petition for suit because of the pressure you have caused me. My data was likewise affected by the Equifax data breach and may have gotten under the control of some unacceptable individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Disputed items were sent via mail and the credit bureau has not replied in the time frame required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF THE WEST
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
On XX/XX/2021 I sent a secured message while logged in to bank of the west to request the closure of the checking account, on XX/XX/2021 I received a online response to the secured message stating the said account will be sent for closing. 
On XX/XX/2021 a fee of {$10.00} was charged to the same account and this fee was not disclosed earlier but per me account was closed on XX/XX/2021 itself. 

To my surprise account was not closed- upon checking the status I immediately called the bank customer service on XX/XX/2021 and waiting for XXXX hrs on the phone line without being able to reach to anyone. 

Sent secure message reply on the earlier message for closing and received a response that since the balance is negative it can not be closed and was asked to contact the branch. 
It has to be noted that this account was opened online and meant to be completely online without need of any branch. 
I called the local branch on Monday XXXX and branch rep is asking me to come to branch to close the account- despite online confirmation.Multiple secure messages and wait on customer service phone is not helping and bank is becoming a pain to close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-20 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I reviewed my XXXX credit report on XX/XX/2021 and seen an unauthorized inquiry from American Express from XX/XX/2021 that I did not authorize. I sent a letter via mail XX/XX/2021 and XXXX XXXX disputing this matter with American Express and requesting in writing what permissible proof they possess such as signature, verbal consent or IP address. I received the first response letter received from American Express on XXXX XXXX stating they couldnt delete inquiry because they needed additional information even though I provided my SSN on my first two letter. Received second response letter from American Express on XX/XX/2021 stating they could not remove inquiry because they have permissions or proof but never provided me with the proof as I requested in writing on XX/XX/XXXX and XXXX, XXXX. I sent a third dispute letter on XX/XX/2021 requesting they provide me with what permissible proof they possess or delete this inquiry from my XXXX credit report because I did not authorize this inquiry. They sent a third response letter on XX/XX/2021 stating the exact same thing the letter from XXXX XXXX stated and still did not provide me with permissible proof. I called American Express Customer Care at XXXX twice on XXXX XXXX. First call a man name XXXX answered listened to my situation and stated he was transferring me to a member of his Concern Team. XXXX from the Concern Team answered and I had to tel him hold music was still playing in background so I couldnt hear him. He turned that off and I voiced my concerns regarding the above situation. He just sat in silence after I was done I said hello hello and let him know the call was being recorded as proof that they were just sitting on phone and then he hung up. That call started at XXXX was on hold from XXXX. XXXX picked up at XXXX then placed me on hold waiting for Concern Team from XXXX and was hung up on by XXXX at XXXX. I was never even asked my name, ssn or anything. Im filing this complaint because I have reached out to American Express via mail and phone and this unauthorized dispute still has not been deleted on my XXXX credit report as of XXXX XXXX. Second time I called a lady name XXXX answered and then the phone hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am in the process of refinancing my home mortgage and had paid for an appraisal with Bank of America. I have decided to use another mortgage lender, but the Bank of America loan officer, XXXX XXXX, XXXX XXXX, has refused to transfer the appraisal that I paid for to my new lender.

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 2021-09-20 00:00:00
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
In XXXX of XXXX, I leased a XXXX Kia from Kia Motors Finance through XXXX XXXX XXXX in XXXX, Indiana. After one payment, I bought out the balance of the lease. Since I am an Ohio resident the dealer explained that they were required to collect the Ohio sales tax in the amount of {$2000.00} and forward it to Ohio. They collected the {$2000.00} from me at that time. They did not forward the collected tax to Ohio! Therefore, when I registered the XXXX and purchased license plates, I had to pay the Clerk of Courts in XXXX County, Ohio the {$2000.00} sales tax. 
I contacted Kia Motors Finance requesting a refund of my original {$2000.00} early in XXXX. After several calls over the first three months of XXXX, they sent a check for {$2000.00} datedXX/XX/XXXX directly to me. However, the check was made payable to the Clerk of Courts. Obviously, I couldn't cash it. As I expected, the Clerk of Courts wouldn't accept it and give me the cash. 
Over the last five months, I have made one or two calls each month and mailed or faxed three sets of documents to Kia Motors Finance showing proof of the tax payment to Ohio and each time I have requested a refund. During the first three calls, I was told each time a check would be mailed to me within 3-10 days. The last two months, I was told that Kia Motors Finance can only issue checks to Clerks of Courts so they have no way to refund my {$2000.00} 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