vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Sears Citibank Credit Card reported late payments on this months XX/XX/XXXX & XX/XX/XXXX, even though I called with enough time to ask if any payment arrangements will affect my credit report and they said no. Now theyre saying that because the payment was set up a day after my statement closed they needed to report it that way but never mentioned that through the phone. 

I called to postponed it with ahead of time for the same reason to prevent negative impacts to my credit and because I was going through some financial hardships back then. They help with lowering my payment but I was asked to close my account. I want to make sure those late payments are removed from my account, the account is in good standing and everything owed or due back then was resolved within enough time.

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 2019-07-20 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: GB Collects, LLC
State: FL

Complaint narrative:
This agency sent repeated demands for payment of some type of medical debt to my sons apartment at XXXX XXXX XXXX. I am not aware of nor am I responsible for any debt owed to XXXX XXXX, we have always been on Obama Care. Premiums always paid on time to XXXX XXXX XXXX XXXX. GB has violated my privacy rights by sending threatening letters to my son. I want them to cease immediately!!!

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I do recognize the following inquiry XXXX XXXX XXXX XXXX Inquiry from XX/XX/2017. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: NAVY FEDERAL CREDIT UNION
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
All these places show up on my XXXX XXXX I have hard inquires. I have never applied for any credit card or anything. I live in XXXX XXXX XXXX.I have never applied to none of these places. This made my credit score go down eight points. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX - Home Furnishings XXXX/XXXX Inquiry from XX/XX/XXXX - Bank XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX - National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies Navy Fcu Inquiry from XX/XX/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 2019-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
My car was in the flood of Hurricane Harvey on XX/XX/XXXX. 2017 Santander Consumer U.S.A. Want 's me to pay them {$600.00}, But {$600.00} was paid towards the settlement amount of XXXX Now they went me to pay them all of XXXX in full. I sent a letter to the CEO of Santander U.S.A telling him about the flood in XXXX XXXX Texas on XXXX XXXX. But they keep calling me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I do not recognize the following inquiry XXXX XXXX XXXX Inquiry from XX/XX/XXXX. Please investigate to ensure there is no fraudulent activity. My name is XXXX XXXX and I live at XXXX XXXX XXXX XXXX XXXX, MD, XXXX. My birthday is XX/XX/XXXX. My last 4 is 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 2019-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Received a phone call from XXXX on XX/XX/2019, claiming to be Sears Credit Services. I was on another call at the time, so I returned the call and was asked for my account # or Social Security #. I hung up, looked up the number for Sears and called them. They tried to locate an account for me, but indicated there were no accounts open with Sears. Since the 800 number was asking for account numbers or social security numbers, I consider this to be a scam or a scheme leading to ID theft.

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 2019-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
My whole life I have been having problems getting credit. My father has been stealing my identity since I was born. There has been tons of jobs under my social and car loans. I never could get a line of credit because had everything under my social. He recently has filed bankruptcy in another state twice and they still havent removed them from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Tried to open a citi savings account on XX/XX/19. I had recently moved and did not have any utilities w/ address that they requested after the application was submitted. I found this requirement odd for people who recently moved. I called on XXXX to inquire about alternative documents which ended in customer representative saying that they did not want my business. I told her to cancel my application and close the account. She assured me that it was done. 

In the following 2 weeks, I received 2 additional emails to fund my account. I called back to inquire why the account is still open on XX/XX/19. I was informed that the application was automatically extended until XX/XX/19 and there were no notes on the account about my previous phone call or request to cancel the application and close the account. I was then told that I had to wait until business hours to call back so that this could be done. In the meantime, I would be responsible for any charges on the account. 

Extending the application deadline so that my account can incur fees while I was being informed the account would be closed seems like fraud to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Universal Account Servicing, LLC
State: IL

Complaint narrative:
On XX/XX/2019, I called Universal Account Servicing regarding the final payment on my account which should be {$230.00}, but is {$420.00}. The representative I spoke with XXXX was uninformed, rude, and not very customer friendly. After reviewing my account, she stated that Aging had been applied to my account to make it current, but I was still responsible for maintaining payments. Over the course of three years, whenever I paid late or missed a payment, I paid the late fees in addition to doubling or tripling payments to bring the account current. So, I should not get to my last payment and have a balance nearly double what I owe. I asked XXXX if I could speak with a supervisor or manager to have the additional fees waived and was told that neither was available. This is standard procedure with this business when a customer asks to speak with a higher up and is apparently an accepted practice, neither was XXXX able to give me corporate contact information. This Aging thing seems to be a way for this business to apply additional funds and needs to be removed from my balance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: NJ

Complaint narrative:
I sent 4 dispute letters to all 3 credit bureaus ( Equifax, XXXX, and XXXX ). In the letter, I asked them to remove or verify 6 charge off 's that I do not believe are mine. Every time I got a response, they came back as verified. How did they verify these charge off 's belong to me and with who? They provided no proof ( original signed contracts ) that these charge off 's accounts belong to me. They would only send me a copy of my credit report with the same charge off 's still remaining. This is a well-known tactic they use to keep people subprime. They violated my rights under the Fair Credit Reporting Act ( FCRA ) many times and I'm fed up. 

I do understand that they sell my information to the banks. And that the banks make more money off me because I have a low credit score. And that way the bank can charge me a high-interest rate. Thus them making more money and me losing more money. 

The charge off 's on my account are inaccurate and have not been verified and needs to be removed ASAP. I've been violated for months and this has to stop NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have no idea who I C Systems, Inc is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. I C Systems, Inc is indicating that an account with the account number XXXX  was opened with their company in XX/XX/2019. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized I C Systems, Inc as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ I C Systems, Inc } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to I C Systems, Inc, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

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 2019-07-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans Union 's call centers are closed on weekends and evenings. They only allow consumers to report discrepancies between their TU 's regional working hours with unfair regard for consumer location and schedules for work. Unfair to he most vulnerable and the least sophisticated consumer.

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 2019-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hi I have been trying to get a response from coinbase regarding a withdrawal of XXXX  to my XXXX bank account. 

When I withdrew the funds from coinbase I selected a XXXX bank account that had been closed for some time and realising the error contacted the XXXX bank that said the money will not go into that account because it was closed and that coinbase will get the money bank in their account. 

I have contacted coinbase a number of times over the last week and they are just sending a standard response with no attempt to resolve my issue and put the funds back into my coinbase account so I can withdraw to the correct account. 

I am now wanting to make an official complaint as a company like this should have made proper contact by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Yamaha Motor Finance Corporation USA
State: NC

Complaint narrative:
XX/XX/2019 made a purchase of 2 motorcycles financed through yamaha motor financing. One is a 99 XXXX and the other a 2006 XXXX. Both ihave a title lien with the credit company. Today i went to discuss making another purchase and was told by the sales rep that it's illegal in NC to finance with Yamaha motor on anything older than 8 years. I honestly don't know if this was a sales tactic or if I've been bamboozled by the original dealership and Yamaha.  Total financed on both motorcycles was initially around XXXX the interest is around 30 percent. I can not use this card for anything besides purchases at an authorized Yamaha dealer so no other purchases were made on this account. Im concerned about the legality.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Summary : U.S. Bank refuses to transfer the appraisal ( which I paid for ) on my home to XXXX, forcing me to purchase another home appraisal to work with XXXX. 

Other institutions have the practice of transferring your appraisal, but because U.S. Bank refuses to do so due to company policy. Their company policy on home appraisal transfers is anti-consumer. 

XX/XX/2019 I applied for a mortgage with U.S. Bank to refinance my home and receive an offer. 

XX/XX/2019 I take time off work to be home for House Appraiser appointment. 

XX/XX/2019 I receive the PDF summary of my home appraisalXX/XX/2019 I get a better offer for a mortgage from Loan Depot and confirm that they can use my home appraisal, provided that U.S. Bank transfers the appraisal to them. 

XX/XX/2019 I cancel the mortgage offer with U.S. Bank and am charged about {$930.00} in fees ( which include the cost of the appraisal ) XX/XX/2019 I try to get U.S. Bank to transfer my home appraisal to XXXX but they state that they do not transfer appraisals due to company policy.

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 2019-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-07-20 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: MS

Complaint narrative:
I filed a dispute regarding three collection items on my credit report. Equifax refuses to properly investigate the items and they remain on my report with damaging effects. I have provided written documentation to substantiate my claim of errors and they have been overlooked. 

XXXX {$2900.00} XXXX {$500.00} XXXX XXXX {$440.00} XXXX XXXX XXXX was an account paid on time and satisfied. I contacted XXXX XXXX XXXX and they confirmed they have also sent them documentation, yet they continue to report late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: MN

Complaint narrative:
My information was compromised during the equifax breach. I receive hundreds of calls a week from Robo callers, credit line inquiries for loans that Ive never applied for. 

My information was compromised and Equifax didnt properly alert me in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
When I first receive the vehicle it was {$630.00} which my husband and I was willing to pay but in the process we had a XXXX XXXX XXXX which that made me laid off in my has been laid off so therefore I we were not able to pay our bills for two months. I then got in contact with Nissan and ask them is there anything that they can do for me they indicated that there was nothing that cant be done that I need to make a payment. And in the process of that me and my husband XXXX and divorce which left me with the mortgage Car and bills and our children that I love so much. I was struggling I then called Nissan to explain my situation they put me on a plan where my car note is put to the back but then a week later someone called me and told me that that process did not go in that I need to pay the remaining balance in order to keep my vehicle I woke up one morning to take my kids to the daycare and for me to go to work and my truck was not there this is the worst finance company ever

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX claims they havent reported me late its the credit bureau who made the mistake. Ive been in forbearance. How can I be late. I need this updated. I have many lates from this company. XXXX its like 10 and i never was late I attached a copy of my report and a letter from navient. Im going for a mortgage this isnt fair. Please help and update all these lates and remove them. ALL NAVIENT ACCOUNTS ARE INCORRECT. 
B DEPT OF ED/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} EDU {$1100.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XP/XXXX/XXXX Late Dates : XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} EDU {$1000.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XP/XXXX/XXXX  Late Dates : XXXX, XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B DEPT OF ED/XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} EDU {$1100.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XP/XXXX/XXXX Late Dates : XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} EDU {$1000.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XP/XXXX/XXXX Late Dates : XXXX, XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED T

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 2019-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: AR

Complaint narrative:
Malvern Nation bank and us bank in Malvern both closed my account without notifying me of that and then us bank tells me I owe them XXXX and Malvern national XXXX I have told them I was expecting money from XXXX that it would take care of it still haven't received my money because of this as well please help me get this taken care 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