vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Complaint Type : Product Issues Description of Complaint : I had three cards with this Citibank, but in 2020 EVERY MONTH they reduce my available credit limit. This impacted my credit score by lowering the available credit to debt ratio. One of my other banks increased my available credit during the same time period. Because of Citibank actions alone, I suffered from a declining credit score every month. I was able to close out two of the accounts to slow down the damage, but I have one card left. I suspect as soon as I get rid of this card my credit score will rebound quickly. I have many banks all in great standing, this is the only bank I have had issues with. 
I feel like they are in direct violation of the Consumer Financial Protection Bureau and Federal Trade Commission 's Division of Credit Practices policies as my credit has been harmed by their actions and none of my own.

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 2021-01-11 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: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
On XX/XX/2020 Div Adj Serv added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Div Adj Serv has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: NV

Complaint narrative:
It's almost 60 days today since I've sent disputes last XXXX2020 regarding to those unknown and inaccurate accounts that I found on my credit report but I haven't received any response. Im a victim of Equifax data breach. I demand that all inaccurate and unknown accounts REMOVE immediately on my credit report or I will file a litigation that cause me stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XXXX XXXX  a penfed asking for copy of driver license before finalizing loans on XXXX American customers

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 2021-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
Received notification about a debt that was not verified as mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11 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: NY

Complaint narrative:
I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2021-01-11 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: NY

Complaint narrative:
I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: PA

Complaint narrative:
I sent a letter to Transunion on XX/XX/XXXX XXXX. As of XXXX XXXX Transunion has failed to complete my investigation. These XXXX  are taking advantage of normal people. They have not communicated with me for the following accounts. 

US DEPT ED # XXXX US DOE/ XXXX XXXX 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 2021-01-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I applied for and was given a loan modification. In a conference call with the mortgage company, they informed me what the principal and interest payment would be and also notified me what the escrow payment would be. After making the first payment under the loan modification, I received another mortgage statement reflecting a drastically different mortgage amount. I went back and forth with TD Bank many times as every time myself or a representative on my behalf reached out to them, the kept referencing a different mortgage amount ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
On XX/XX/2021, I placed an order with Ginny 's. I had not ordered from them in two years but when I last placed any order, all of my orders were paid on time. I previously ordered XX/XX/2021 and was told that I needed to place the order under my account on XX/XX/2021. The representative told me that I still had credit and that the previous order was somehow not placed on my account. I re-ordered through her and hung up the phone. I checked again online with Ginny 's on XX/XX/2021 and it said to contact customer service. I asked to speak with a supervisor and spoke with XXXX. XXXX indicated that I do not have credit and I asked her " did I not pay off all my accounts on time with Ginny 's and your sister companies. '' and she said, " that's not the issue ''. I asked her " where are you getting this information from if it is not from my credit report? '' and she said, " we have analysts that receive information. '' She would not tell me where they receive information from if it is not from the credit report. While this question and answer was going on XXXX was extremely sarcastic. She finally stated, " In processing the order, we decided not to approve this order. '' She never once stated that they used my credit report or that the reason of denial is due to my credit freeze. Even then with a freeze, you are allowed by the creditor to unfreeze your credit so that a decision can be made. This is a baseless decision of Ginny 's. I am beginning to think that this is discrimination based on racism since the sister companies that I previously mentioned that I used were for XXXX people. I know for sure that they did not check my credit report as XXXX confirmed since I have a freeze on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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:
On XX/XX/2020, I mailed a letter about inaccurate information on my credit report. It has been almost 2 months and I still haven't received any results of an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My name is XXXX XXXX and I received my credit card that has been in perfect standing for 5 years was being closed today because I added an authorized user whose credit was not in good standing. By all means I do not agree with this decision of closing my card and I would like my account to continue to be open and they can not add this person to my account. This closure will impact me deeply as I am trying to refinance during the pandemic and I can not afford my credit to take such a hard hit with the closing of this card. I was told I would get a letter and can contest the decision in 30 days however I don't want to wait that long and would this to be worked on as soon as possible. The account was closed today XX/XX/2020

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 2021-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JP Morgan and Chase has failed to report the opening of a Business Credit Card Line in which my social security number has used PRIOR TO THE DISCOVERY of my identity being stolen. This is a form of negligence on their behalf. Furthermore, it took me several months to resolve the issue and trying to obtain all banking statements and application documents - basically giving me a circus run around. They have even assigned me two investigators whom did not even bother with the case. When I talked to the supervisor on XX/XX/2020, they told me a subpoena needs to be issued. However, upon doing me research, they did not even mention about FATCA/FCRA. Upon doing my research, the Federal ID summary of writes explicitly states that I have the right to obtain documents relating to fraudulent transactions made or accounts using my my personal information. 

When I discovered the statement of balance due on XX/XX/2020, the balance is {$5700.00} on the letterhead it contained : My Name XXXX XXXX XXXX XXXX XXXX XXXX Address Return payment to : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX They have failed to disclose this to me and I had to pull the Federal Statutes on my own. Furthermore, upon speaking to the fraud supervisor on XX/XX/XXXX, she has failed to disclosed FATCA/FCRA rights ; rather she just told me I must get a subpoena. 

a notice of dispute and arbitration has been ordered and mailed to JP Morgan and Chase on XX/XX/XXXX Local Law enforcement in the ECU crimes unit has also been filed for investigation Due to the nature of confidentiality, I have overwhelming evidence of the perpetrator committing fraud. 

PLEASE NOTE SINCE I NOTIFIED JP MORGAN THEY HAVE CHANGED THE ORIGINAL FRAUDUELENT BILLING ADDRESS TO MY ADDRESS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
On XXXX I sent a principal payment only of {$13000.00} to loan care, lakeview loan servicing is the mortgage company. I have this problem every time i send in a principal payment, this is my second complaint to CFPB. The first resolve was to send the payment to a different address and that was to solve the problem, this did not solve the problem as the very next principal payment was split into 2 again {$11000.00} to principal and {$1500.00} for an additional payment although my normal payment was already made.I 've tried to reach out to the mortgage company and they never answer the phone as the recording states they are too busy, this has been going on for over 3 weeks.

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 2021-01-11 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: OH

Complaint narrative:
On XX/XX/XXXX, I've sent out a certified letter disputing items in which I felt I was a victim of identity theft. I've listed all items that were not mined. As of XX/XX/XXXX, I have not received any correspondence regarding my request. I haven't gotten anything stating they were opening an investigation. I believe the credit reporting agencies have violated my FCRA and I need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: FL

Complaint narrative:
We have had a Fidelity Visa Signature Card for several years. The card is now serviced by XXXX. We received a credit card bill stating the Payment Due Date is Sunday, XX/XX/21. We made an online payment on Saturday, XX/XX/21. On Monday, XX/XX/21, the site said we hadnt paid the bill. We will get a late notice. We called to complain. The customer service person said they dont apply payments over the weekend and it would probably be credited on Tuesday, XX/XX/21 and we will probably get a late charge. Imagine requiring payment by Sunday but not recording payments made the date before! This is a scam to increase late payment penalties. This wont happen to us again because we cut up our credit cards and sent them back to Fidelity. Perhaps Fidelity will notice when I move accounts worth 7 figures to XXXX XXXX ... Then again, probably not.

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 2021-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
After having no luck contacting me ( with a ridiculous number of phone calls at all hours ), the California Business Bureau contacted my mother in XX/XX/XXXX and harrassed her about my medical debt ... ..a debt that I have regularly been paying directly to the medical facilities in small installments. 

After being told they had reached the wrong person, the agency called my mother AGAIN on XX/XX/XXXX about my debt, and asked her to leave messages for me ... .which is a violation of the Fair Debt Collection Practices Act 15 U.S.C. 1692b ( 3 ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: I.C. System, Inc.
State: IL

Complaint narrative:
On XX/XX/2018 I C System added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, I C System has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.

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 2021-01-11 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 noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc.
State: MN

Complaint narrative:
I received a letter in regard to old debt. I notified the Creditor in Writing of a dispute instructing them I wanted Proof of the agreement to pay the creditor, a copy of the final account statement, a breakdown of total amount dues, and date and basis of the charges. 

The company has not responded in writing as requested, and as such has reported this as a negative item to the credit bureau. My request was mailed within the initial 30 day time frame to dispute the debt. They also have not reported the account is in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have included the dates and response and receipts from the seller and letters from Capital One. Capital one denied my dispute for the reason of lacks all of the requested information. I sent Capital one the same documents i'm sending in this complaint. 
My documents show the original advertisement and the NEW ad the seller changed too. 
Also in the documents I'm sending today, yu will find the emails between me and the seller of the mink coat. 

feel free t contact me at XXXX or XXXX Thanks in XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-11 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: NM

Complaint narrative:
I have been disputing an error in my personal information with Equifax for over 30 days and they have not corrected the issue. According to FCRA Section 623 it is illegal to report inaccurate information and must be corrected if I have proof. They are reporting my current address inaccurately which has hindered my ability to identify myself to other companies. I need this issue corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Sent them a certified letter stating I needed more information on XXXX and they didnt even respond. Sent them a second certified letter on XXXX letting them know the violated my rights by not letting me know or proof of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: PA

Complaint narrative:
I sent a dispute letter to Equifax on XX/XX/XXXX XXXX .. As of XX/XX/2021 Equifax has failed to complete my investigation and communicate results with me for the following accounts US DEPT ED # XXXX US DOE XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation