vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I applied for a credit card w a XXXX credit score, I was denied. I called Citibank to see why this was denied. Citibank advised I had a card w them back in XXXX as I was an associated account holder and was never able to get a straight answer due to me not being the primary? I never had a Citibank card and never applied for one, they advised that I had an outstanding balance of over XXXX dollars ( what I gathered from talking to over 20 People at Citibank ) I have been trying since XX/XX/XXXX to resolve and can not get anyone to to assist after multiple calls and over 20 employees. All every Customer service rep wants to do is transfer me to another department, I have 8 phone numbers that I have been given by one person or another and everyone has done nothing to assist. I am reaching out to The CFPB as this is a serious violation of FCRA and FACTA Can you Please assist? 
Thank you XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2021-06-21 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Credit Collection XXXX  XXXX XXXX XXXX I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with HARVARD COLL plus they did not provide me with the original application like I asked.

Account No : XXXX Amount Disputed : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Comerica
State: NC

Complaint narrative:
My mother died on XX/XX/XXXX. She had a Living Trust account at Comerica Bank, originally set up at the XXXX XXXX, XXXX, MI branch. After extensive and repeated efforts to try and close the account, and get the several XXXX dollars back, I finally was successful, almost 2 years later, on XX/XX/XXXX. On this date, I received a check for the total amount in the account with a letter stating the following, " Dear Mrs. XXXX, Enclosed please find the check for closing the reference account ending in XXXX. Per the instructions of our legal department, the cashier check is payable to XXXX XXXX XXXX Living Trust. Sincerely, XXXX XXXX. 

Much to my shock and dismay, on XX/XX/XXXX, I received a letter from the Comerica Bank stating that my mother 's account was overdrawn and must be immediately returned to a positive balance. I was charged {$48.00} with a date of XX/XX/XXXX ( more than a month after I received the check and the letter letting me know that the account was closed ). 

I made several attempts to contact Comerica Bank, with no success. My objective in filing this complaint is to make sure that the record is clear that the account is closed and that no fee is charged and in no way should this reflect on my credit as I am trustee of my mother 's estate. Furthermore, Comerica should work on its process and consumer engagement, as this was a very unsatisfactory experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Over the last several months I attempted to resolve inaccurate reporting by this organization. I have made several calls and reviewed my payment history with the organization. Each time ended in no resolution. Payments were made in excess of the the minimum amount and account was paid in full and is still showing a balance. The final payment was cashed in XX/XX/2021. The organization acknowledges that payment was received and still reported late payment. I have disputed this account twice on the XXXX  site and still have no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-21 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:
On XX/XX/XXXX, I wrote to Experian requesting an investigation into items that I believed were OBSOLETE. To date, I have not received a reply from Experian or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my Third request. 

Please see my reasons for dispute below : 1. Mistaken Identity XXXX  XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Mistaken Identity XXXX  XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from 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 2021-06-21 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: WA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
After noticing that I had an old mailing address listed on an electronic statement from UAS Connect, I logged on to attempt to change that information. I noticed I had 2 lines of credit open which I did not believe to be accurate. When speaking with a customer service rep she first acknowledged the two lines, stating the loan had been transferred and I remain with 1 line of credit with UAS. Once questioned on where this unknown line of credit came from, she spoke with her supervisor, then stated the loan was not transferred and instead I had 2 original loans at 7.4 % that were combined in 2019. When asked for the disclosure statements for the apparent refinancing she stated they do not have that information. I then asked for the original loan note from my original servicer ( XXXX XXXX ) that sold my loan to UAS, to verify that one loan, Not 2, at 7.4 percent interest was sold. again this information was not provided.

Despite my requests for original loan documents and escalation to any representative that could demonstrate 1 loan was sold to them from thrivent, remained one loaned at the original terms, and that there was no evidence of an extra loan as evidenced by my account summary currently showing two lines of credit they were unable to assist me. I have concerns that my loan was split into two original amounts with two separate interest amounts applied a, then combined without my knowledge of likely an error.

I will provide specific statements in my portal if needed but the original documents are not accessible per UAS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX XXXX is charging me for a canceled card as of XX/XX/2020, then they added a late fee totaling {$64.00} and their deception cost me 13 points on my credit score to this point. 

Trying to communicate to them the card doesnt exists is like talking to a wall! 

Please help me make them go away!!!!! 

P.S. I did not get bills in the mail over this period of time either Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Credit System is reporting a fraudulent account on my credit report for a company name coserv acct # XXXX and so reporting a fraudulent address on my credit report that have never been associated with. I notified the company that I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
Cavalry Portfolio is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed this debt was reporting despite a few things. This debt was never validated to me nor did I ever receive a 30 day right to dispute notice. Secondly, the debt is past the statute of limitations in Idaho and past the credit reporting limit. This is a violation under the FCRA and it must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: CT

Complaint narrative:
Today ( XX/XX/XXXX ) I received a " Goodbye '' letter dated XX/XX/XXXX from my mortgage servicer, ARVEST Central Mortgage Company informing me that my mortgage servicing had been transferred to XXXX XXXX  XXXX. Arvest will stop accepting payments on XX/XX/XXXX and XXXX will begin accepting payments XX/XX/XXXX. 

This is ridiculous. a critical payment notice and change of servicer within 10 days of taking effect? How long has this been in the works? Servicing transfers just don't happen overnight -- - I've been in the capital markets for over 30 years and know how long these agreements take. 

My original mortgage was executed on XX/XX/XXXX and subsequently transferred to ARVEST within the first 60 days. Now another transfer within 15 months.

This is just one more example of financial institutions treating customers as financial commodities and in the process putting customer credit and payments at risk. 

If financial institutions are authorized to issued mortgage loans, they should be required to retain them on their balance sheet, manage the risk, and treat the customers as key relationships -- - not just another fee-based transaction. This puts customers at risk through no fault of their own, just the greed of financial institutions to extract a profit. 

The CFPB ( and Congress ) needs do more to protect American consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed that they are reporting several accounts on my credit file that are super old debts. These debts are past the credit reporting limit and under the FCRA this is a violation and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I called to submit two disputes to Chase for my vehicle lease. The first was that I requested that the late payment for XX/XX/XXXX be removed from my credit report because of financial hardship created by the coronavirus. Chase claims that they are not permitted to remove negative items from a credit report which is patently inaccurate and a misstatement of the law. 

I also reported that the XX/XX/XXXX payment was inaccurate. 

I feel that I am being mistreated and taken and advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: MT

Complaint narrative:
Google Pay took money out of my checking account. No actions were taken by the company. There holding my money for 7 days for no reason. {$19.00} was taken out of my bank account with no recollection of even sending money at all. I believe they stole money from my bank account and its just sitting and pending and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MI

Complaint narrative:
My mortgage company was not aware that my municipality taxes property twice a year. Therefore, they did not pay my most recent tax bill ( Winter 2020 bill ). Ive contacted their customer service over the last several months and they stated that they will address the issue. However, they have not paid the tax bill. I have recently received a Notice of Delinquent Property taxes from the city. The company in charge of the escrow account is Dovenmuehle Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a XXXX  XXXX XXXX credit card on my Experian credit report. The XXXX  XXXX XXXX credit card is not mine and I have confirmed with XXXX XXXX XXXXXXXX. I have dispute with Experian twice about this issue but they are not able to remove the incorrect information on my report. 
Report Number : XXXX Date GenerateXXXX : XX/XX/2021 2021

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 2021-06-21 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: MS

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I called to submit two disputes to XXXX for my vehicle lease. The first was that I requested that the late payment for XX/XX/XXXX be removed from my credit report because of financial hardship created by the coronavirus. XXXX claims that they are not permitted to remove negative items from a credit report which is patently inaccurate and a misstatement of the law. 

I also reported that the XX/XX/XXXX payment was inaccurate. 

I feel that I am being mistreated and taken and advantage of.

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 2021-06-21 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:
The information reporting seems to me that it is inaccurate, therefore I believe that this information is reporting illegally and is not compliant. I would like to have this information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a loan with SYNCB/XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SYNCBXXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX  aXXXX SYNCBXXXX XXXX  with no successful resolution.XXXX, XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.

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 2021-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

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 2021-06-21 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

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 2021-06-21 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:
Someone tried to apply for some things in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Glass Mountain Capital, LLC
State: FL

Complaint narrative:
I was notified by Glass Mountain Capital LLC about an alleged debt with XXXX  XXXX XXXX XXXX ). I notified XXXX XXXX XXXX XXXX  ) over ten years ago about this fraudulent account and from my recollection, they took care of the issue. However, my name has been associated with this alleged debt. I request that this collection agency provide the original documentation for this account, with my original signature and date, as governed by the Fair Credit Report Act. In the letter the letter from Glass Mountain Capital LLC, it states that they contacted their client, XXXX XXXX XXXX XXXX. I have not idea who or what this company is and have never heard of them.

Company response to consumer: Closed with explanation