vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on NAVY FEDERAL CR UNION. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
CBNA with account XXXX is discriminating against me and is using its power to have incorrect and false information regarding this account on all three credit bureaus. This account was paid years ago. According to the FCRA and Arizona Law this account should no longer be listed or reported on any of the three credit bureaus. They are listing it as delinquent even though it is paid. This is causing me to have a lower credit score because of the false information this company lists on 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 2021-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/2021 a payment was made on my auto loan with Ally Financial. The payment was for the XXXX payment. I explained the payment was being made on XX/XX/XXXX because of my familys contract of XXXX. The representative for the company assured me the payment would not be reported 30 days late to the credit bureau because we are in the process of buying a new house. On XX/XX/XXXX I was notified that the payment from XXXX was marked 30 days late. I have spoken with an agent now 3 times and have been promised each time that a billing supervisor will be calling me back within 24 hours to remove the late payment once they listen to the recording of my original call. It has now been over a week and I can not get a billing supervisor on the phone and nobody has called me back. I need the late removed because I can not get a home loan now and I was promised by the original agent that there would not be a 30 day 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 2021-10-01 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: DISCOVER BANK
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from XXXX. Please see below the list of accounts that are reporting derogatory on XXXX. 

1. Identity Theft DISCOVER BANK Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I noticed that Equifax had published a Bankruptcy on my consumer file from courts in XXXX, TX and XXXX, TX. I did not give written consent to Equifax to publish this on my consumer report that's a violation of my consumer rights. When I challenged it, via certified on XX/XX/2021 they removed the bankruptcy and replaced with a federal bankruptcy and reported the date XX/XX/2021 that's a violation of my consumer rights. So they reaged my bankruptcy that's a violation of my consumer rights. They did not furnish any mailing address either, that's another violation of my consumer rights. Equifax has refused to respond in a timely matter, thats a violation of my consumer rights. I sent them an certified affidavit on XX/XX/2021 showing them my consumer right laws that they have broken. On XX/XX/2021, I sent another certified letter asking them to permanently delete this from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: PA

Complaint narrative:
I am a consumer and protected by federal laws. Credit Corp solution is violating my consumer right under Title 15 USC.

Under 15 USC 1692g credit corp did not validate any debt.

I was contacted multiple times confirming that it was a debt collector and they attempt to collect a debt.

Violation of 15 U.S. Code 1692c -a.1 I was harassed and abused by multiple people calling my phone and threatening me. 
Violation of 15 U.S. Code 1692d - Credit Corp employees falsely represented the corporation mentioning they are handling and personal and business matters to get in contact with such person.

Violation of 15 U.S. Code 1692e.

Credit Corp Solutions is in violation of 15 usc 1692 b. ( 5 ) Credit Corp Solutions is in violation of 15 usc 1692 b. ( 2 ) Credit Corp Solutions is in violation of 15 usc 1692 f. ( 8 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Original Advance Money Mortgage of UP TO {$130000.00} was taken XX/XX/XXXX with XXXX XXXX XXXX XXXX, with an amount borrowed payable in full by XX/XX/XXXX. 

In XXXX, XXXX XXXX XXXX  assigned this failed bank loan to XXXX XXXX XXXX XXXX, XXXX Ohio. 
( later XXXX loans went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, then ultimately to CITIFINANCIAL MORTGAGE COMPANY , INC. 

We have records showing multiple payments to XXXX for the years XXXX. No reassigments to Associates or Citifinancial are on file with the county. 

We require a discharge of mortgage to remove the lien from the title to sell the house ( hopefully closing on XX/XX/XXXX of this year ), but this finding of lien has put a wrench in this plan! HELP!!!!

As the only company in existence is Citifiniancial, I have made MULTIPLE attempts to contact them at their very less than helpful " service center '' ( an autogenerated email response system XXXX and their very sketchy phone number XXXX ( call it. sounds like someone in a small garage!! ). I have only received an autogenerated responses saying that they do not have a loan on file that matches the infomation and to resubmit information. ( basically the same information regardless of my question being sent to them ) I have tried to go thru a backdoor email ( CitiHoldingsNAMInfoServicing XXXX ) and I am getting them to respond personally, but they only say send your info to the other email address. 

I have made over 20 email requests starting the last week of XXXX, and can not get ANY response other than their autoreply. 
HELP!!!!

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 2021-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I recieved a text message alert stating that someone was trying to access and withdraw funds from my checking account in the amount of {$2000.00}. The text message wanted me to verify whether I authorized this transaction in which I stated no. About 10minutes later, my phone rang and it read Chase on the caller id so I picked up immediately. The Chase rep stated that he would help reverse the funds ; he placed me on hold and came back stating that he can see the transaction and will be able to reverse it. He explained that I just needed to log into my mobile app and add myself as a recipient through my telephone number and then XXXX the {$2000.00} to myself to reverse the transaction. I did all of this but I never gave him any information other than the last 4 digits of my telephone number. He stated that he would call me back the next day at the same time because we would have to do the XXXX transaction again. He called the next day and asked me to repeat the steps. On Monday XX/XX/XXXX, I realized that my account was short the {$2000.00}. I called Chase again to follow up and was told that this fraud and that Chase would have never contacted a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: SLM CORPORATION
State: GA

Complaint narrative:
I bought a CD from Sallie Mae in XX/XX/XXXX. Unlike other institutions from which I have purchased CDs, I have no way to view my account details on the mobile site nor can I view tax documents. I was just looking for details on when this CD will mature, as I have received. I notification. I was shocked to discover it is maturing this month- for the second time. Evidently in XXXX, the first CD matured and Sallie Mae did not notify me. At all. And this rolled into another one-year CD, making nothing. Fortunately, I made about as much as I would have in a savings account, but it seems shoddy at best and deceitful at worst that Sallie Mae doesnt make this information more clear or notify account holders in any way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. According to the FCRA, you have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
The lease maturity is XX/XX/XXXX, last payment was due XX/XX/XXXX. I obtained a payoff on XX/XX/XXXX for {$33000.00} good through XX/XX/XXXX. The vehicle was sold and the lease was paid off on XX/XX/XXXX. However between the date of the original payoff quote on XX/XX/XXXX and the actual payoff date of XX/XX/XXXX, XXXX XXXX changed the payoff amount to {$33000.00} with a good through date of XX/XX/XXXX. They claimed the next month 's rent charge had been assessed to the account. When I called to request a refund since 1. the payoff was received well before the good through date of XX/XX/XXXX and 2. before the monthly payment was due they refused to refund me the overage. 

It seems like unfair and deceptive practices that XXXX XXXX XXXX won't honor a payoff quote with a good through date. They know exactly when they access the rent charge so a payoff quote should have a good through date that is before the rent charge is assessed to account for this additional charge, not after. Additionally, a payoff received the month before the rental of that vehicle occurs should not include that charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a home mortgage with Suntrust Bank. 

They keep emailing me sensitive private information via unsecured email. This creates a risk that I can have my identity stolen or became a victim of a fraud. 

I attach a screenshot of an excerpt of such an email, in which I manually redacted out the said sensitive private information. 

I have already requested that they stop doing so, and I was told that they would stop, but they keep emailing me said sensitive private information via unsecured email. 

When I call the callback number for their Mortgage Client Services at XXXX to talk to a representative, after collecting from me my personal information their system transfers me to a mailbox menu that requires me to know the last name or a mailbox number of the person I am calling - which I do not know - and then disconnects me without giving me any options.

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 2021-10-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC
State: TX

Complaint narrative:
I closed on a house on XX/XX/2021 after much research even asking the lender multiple times questions regarding the appraisal and what was the appraisal offer lower than asking I kept getting he didnt know, the transaction happened, come to find out there were leaks and damages plus inspections done without my knowledge. I am not able to live in my home I just bought due to mold and being allergic to mold, and seems everyone involved in this transaction has dirty hands. Im very afraid theyll get away with this if nothing is done. I lost everything. I moved all my belongings here thinking this was my retirement home. I reached out to Veterans United requesting verbally and in writing a copy of my records on XX/XX/2021 was told that they the lenders had nothing to do with this and she was sorry for my home buying experience that turned out bad. 
I emailed CEO XXXX XXXX at XXXX and XXXX as well as, XXXX and have yet to even receive an acknowledgment. Ive emailed the local Sheriffs office asking for answers in how to go about this cause evidently the local police office states its not their jurisdiction. I have yet to hear anything back yet. Every attorney I emailed, called, etc has not responded, asked for a large retainer without seeing what I have, and the realtors, say theyll call you back but never respond. Im XXXX XXXX XXXX veteran Im tired mentally and emotionally. I did nothing but place my trust in a bunch of professionals that are licensed criminals and the law protects them. This is a {$240000.00} loan, Ive lost over {$30000.00} thus far just dealing with this and paying hotel and food plus other bills, I have XXXX left. And these criminals are free to keep scamming folks.

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 2021-10-01 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: Commercial Acceptance Company
State: NY

Complaint narrative:
The following collection account on my credit report is fraudulent : COMMERCIAL ACCEPTANCE COMPANY # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I have previously contacted the credit bureaus of this inaccuracy and have not gotten a resolution. I am not liable for any debt to COMMERCIAL ACCEPTANCE COMPANY, XXXX XXXX, or any factoring company. COMMERCIAL ACCEPTANCE COMPANY has not provided any validation for this debt and cease activities as required by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. This collection account needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with CREDITACPT. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments and charge-off from these accounts.

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 2021-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity bank is repeatedly contacting relatives and distant relatives regarding a debt they say I owe them. They will not stop calling them, even after being told that they are calling the wrong number. They are harassing people that have no connection to me or said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: Phoenix Financial Services LLC
State: TX

Complaint narrative:
There is an account reporting on my credit file that I requested the bureaus look into because the balance did not seem correct. After several request and they not trying to help they then reported the accounts with a new open date. It is the same account with Phoenix Financial XXXX in the amount of {$540.00} opened XXXX XXXX that showing on my report as of XX/XX/XXXX now that very same account shows Phoenix Financial service opened XX/XX/XXXX they just re-aged the debt!! This needs to be removed. This is a huge violation with the FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On or around XX/XX/2021 Experian, XXXX, and XXXX took it upon themselves to start reporting a bankruptcy on my consumer credit report. After I contacted Experian, XXXX, and XXXX, all three credit reporting agencies said that the bankruptcy ( XXXX ) was accurate and came from XXXX. On XX/XX/2021 XXXX sent me a correspondence which is included in the attachments, saying that " After their reinvestigation of the data in question, XXXX was unable to verify the accuracy of bankruptcy case number ( 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 2021-10-01 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: OH

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days 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