vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-26 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: CITIBANK, N.A.
State: MO

Complaint narrative:
I have two recent inquires one from XX/XX/2021 and one from XX/XX/2021 from a place called CBNA. This was not done nor authorized by me. When I XXXX  this place, its states this place is in New York, I'm in XXXX XXXX, there's nothing this company can do for me. Also, when I called XXXX when I noticed the first inquiry they said this was a credit card inquiry. I have a bank as well as a bank card, if I wanted a credit card I would just go through my bank, I wouldn't even go through the trouble of going somewhere else, let alone applying twice within 2 weeks of the first time. That's just nonsense. A few years ago I filed a police report for identity thief and if needed I can do it again for this. I have been working really hard on my credit and the last thing I need is false / fraudulent information on my report. I would've contacted CBNA but honestly I don't even know where to start, or what to say. What do you say to a company you've never spoke too? However, I will do what needs to be done to get this removed.

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 2021-10-26 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: IN

Complaint narrative:
I have sent letters to each XXXX, XXXX, and Equifax on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 190 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon, book or other credits device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction. 

I, XXXX XXXX, never granted XXXX, XXXX, or XXXX written authorization or permission to furnish harmful and inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
I'VE BEEN A VICTIM OF IDENTITY THEFT AND NOTICED COLLECTION ACCOUNTS REPORTED ON MY REPORT THAT ARE A RESULT OF THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: NJ

Complaint narrative:
I have summited a dispute with Experian for some late payments they are reporting to my account that is not accurate and should be removed from my credit report. I asked Experian to investigate this case as I was always on time with my payments. However they failed to thoroughly investigate my dispute and have not provided me with any valid evidence to there findings. I request these late payments are removed from my credit report as there has been an error with the dates XXXX reported my payments. I repeat my payments have all been on 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 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 190 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

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 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I've contacted Huntington bank 4 times attempting to close my account. ( They bought XXXX and my account was moved to Huntington ). They will not close my account until I have a XXXX balance. I attempted to send myself a check from their site to XXXX out my account and now they are holding it indefinitely. I can't get my money out. And they will not let me close the account. 
The hold times on the phone have ranged from 40 mins to two hours. Branches are understaffed and lines are out the door. 
I just want out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/21 I applied for a debt consolidation loan. I was contacted by a company that I believed was legit, I gave them my information. The company is named XXXX XXXX and I come to find out there not a real company. There is now constant withdrawals and deposits on my bank account which I have nothing to do with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Because I am retired I have to file estimated taxes. In XX/XX/XXXX I wrote a good faith check to the IRS for {$2600.00} mailing it in an IRS envelope to their address Because of the delay for Covid they did not notify me until XX/XX/XXXX that they did not receive my payment and wanted me to pay it again plus penalties and interest My Bank, Citi Bank cashed the check in XX/XX/XXXX leading me to believe that the payment was made I got the check returned in my bank statement. But on examination of the check in XXXX Citi had cashed it to someone else not the IRS The bank will not refund that money into my account I fully believe they are at fault since the IRS normally endorse the check with numbers but this check was signed by two individuals so should never have been cashed by Citi

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 2021-10-26 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: National Credit Adjusters, LLC
State: SC

Complaint narrative:
This account with National Creditor Adjusters have been settled for years and should be deleted. It is reported to XXXX as closed but XXXX and XXXX as open. I have sent an initial dispute and then a reinvestigation to the bureaus to get this updated and I have had no success. I have called NCA some time ago and then recently again mid XXXX and they have confirmed that this account is indeed closed and that it is the credit bureaus that has the error but I do not believe this to be true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my personal credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made : Identity Theft XXXX  Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX  Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX  Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX  Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX  Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX  Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fair Capital
State: NJ

Complaint narrative:
To : whom it may concern I was seeing a XXXX for my car incident. My lawyer informed everyone was paid for their services. However years later Im receiving phone from a collection agency stating I owe money. I don't owe any money. I do not want this collection to go on my credit. 

XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NV

Complaint narrative:
from : my credit report activity Alert Someone used my credit XXXX2021 Source : XXXX Business Name : Credit Collection Service Balance Amount : {$910.00} Business Information : XXXX XXXX XXXX XXXX, Ma XXXX I contacted XXXX that someone used my credit to remove this bill off my credit report and filled out all the necessary paper work and mailed on Monday XXXX XXXX, 2021 and have not hard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This account was paid with the agreement that it would be deleted from my credit. This account is with capital one that was transferred to XXXX XXXX to recover collection. This account still shows on my credit report and this account was paid back in XX/XX/2021. 
Account number for capital one XXXX Please remove as agreed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ive disputed several times incorrect informatoion on my report from XXXX XXXX XXXX  and 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 2021-10-26 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: GA

Complaint narrative:
ive disputed several times incorrect informatoion on my report from XXXX XXXX XXXX  and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this charge. I ask that the items be deleted to correct my credit profile. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Theft Affidavit. Please delete these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal CU violated The Fair Housing Act, Fair Lending Laws as well as RESPA-TILA by excluding taxable bonus income, financial reserves and retirement during the application process for the purchase of my current home. NFCU also failed to conduct a timely review of the application during them buyer financing contingency period of TREC 's resale contract which would have resulted in unrecoverable loss to the consumer ( myself ). I am asking that CFPB evaluate the actions taken during the determination process in an effort to address the potential discriminatory conduct and/or patterns of practice exhibited by the assigned NFCU employees XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: NC

Complaint narrative:
I have filled the 1099 A and became owner of this debt. 

This account is revolving and sent to the United States treasury XXXX XXXX estate Article 1 section 10 United States America republic constitution Hjr 192 public law 73-10 48 48 stat 110 pg 112-113 18 USC 8 Obligation or other security of the United States. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist. 

He who seeks equity must do equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: AZ

Complaint narrative:
XXXX XXXX Dear Equifax This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XX/XX/XXXX Made with : XXXX Made by : XXXX Made on : XX/XX/XXXX Made with : XXXX Made by : XXXX Made on : XX/XX/XXXX Made with : XXXX Made by : XXXX Made on : XX/XX/XXXX Made with : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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:
I have wrote them time after time to tell them to remove fraudulent information reporting on my credit and update my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I contacted XXXX XXXX  and experian and XXXX regarding some charge offs and Bankruptcy on my credit report on XXXX. XXXX, and to this date XX/XX/XXXX, i have NOT RECEIVED ANY REPORTS OR ANSWERS TO MY DISPUTES. The 2 bureaus have not responded at all. this is a violation of the FCRA. XXXX is the only one who removed the inaccurate information. the reporting of this is also untrue. 
the date of last activity, date of last payment and payment is all wrong Bankruptcy XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-10-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
1 : XXXX states that my dispute relates to the exam. FALSE : my dispute relates to the course and poor quality thereof. Refer to the invoice. The exam is {$370.00}. The course is {$740.00}. 
2 : XXXX states that I sat for the exam. FALSE : I did not. Refer to the scheduling email + status of my certificates from XXXX. Emails also attached where XXXX  ( XXXX XXXX XXXX ) + XXXX  are confirming the poor quality. Webpage attached confirming XXXX is the author, with XXXX, of the course. 
FURTHERMORE : I am appalled at the horrible dispute experience : 1 : Only allowing my 3 days to respond ( received the letter today XXXX ; deadline XXXX ) is absurd. 
2 : Not allowing electronic uploads is ridiculous. 
3 : Having to find a fax machine or going to a BOA branch to fax during XXXX is beyond bizarre. 
5 : Having assertive language in the letter on the exhaustive need for documents and the implication that all are required is menacing. 
6 : Having the team that deals with these issues only available XXXX XXXX ET with a 3 day deadline in conjunction with the aforementioned is bizarre. 
7 : The card / account agreement and dispute rules / process are not available anywhere online. 
8 : The call center has a spoken message affirming that dispute documents electronic submittal is available through the online portal. 
9 : The call center staff and managers provide conflicting information and refuse to be of any assistance. 
10 : Not reviewing a merchant response ( I never disputed the exam ) and simply throwing it over the fence with all the aforementioned considered leads me to believe that BOA deliberately throws up barriers to its cardholders to the benefit of merchants in contradiction of BOAs code of ethics and code of conduct.

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 2021-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc
State: GA

Complaint narrative:
WE ARE REQUESTING COPIES OF ALL DOCUMENTS PERTAINING TO THE FOLLOWING PROPERTY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PLEASE NOTE THE ATTORNEY XXXX XXXX XXXX XXXX XXXX TO SIGN, DUE TO HIS INVESTIGATION.INDICTMENT ISSUE HIS ASSISTANT XXXX  XXXX SIGNED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OR

Complaint narrative:
I am totally and XXXX  XXXX and receive XXXX as a result. The Secretary of Education announced in XXXX that every student loan holder in my situation would be notified in XXXX that their loans would be forgiven and discharged soon after. It is now late XXXX and I have received no notification from either the Dept. of Education nor more loan servicer Mohela of anything other than that my payments will need to be resumed in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation