vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hello, this is a notice that I am disputing a billing error on my consumer report as a late payment from XX/XX/. I have recently contacted Citigroup , Inc. stating that my account is in billing error.

I requested for the original documented evidence and books of account pursuant to 15 USC 44, and all I did was receive a cardholder agreement. This is not full material disclosure. 

I have mailed the registered agent the attached billing error affidavit and notice of intent to lawsuit via certified mail, tracking # 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 2021-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
PHH is my new loan service company. My old service company is XXXX. 

PHH began to service my loan and PHH does not acknowledge the mortgage payments that I made during XXXX, before PHH began to service my loan.

I want PHH to honor the loan modification agreement that I signed while my loan was serviced by XXXX  and which should still be in effect at PHH.

I want PHH to correct the late payment errors on my credit report. 


I applied for a loan modification and XXXX mailed a letter to me dated XX/XX/, stating, You have been approved for the foreclosure prevention alternative : Flex Modification. ) On XX/XX/XXXX  I phoned XXXX from my attorneys office ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia, XXXX ). With my attorney listening in as a witness, I made the three required trial plan payments of {$890.00} for a total of {$2600.00} ( confirmation # XXXX ). 
That weekend I checked my checking account and did not see that the payment of {$2600.00} had cleared my bank. I was worried that the XXXX representative had made and error, so I made another payment of {$890.00}, which is the amount for one month. On Monday, XX/XX/, all of the payments had cleared my bank. At this point, I had made a total of four months payments. 
XXXX mailed a letter to me dated XX/XX/XXXX  stating, You are receiving this letter because we have received your final trial plan payment, which means you have successfully completed your trial plan period. 
XXXX mailed to me the final loan modification documents with a XXXX envelope. On XX/XX/, I took the documents to my attorney XXXX XXXX, to review. I signed the documents and they were notarized by my attorneys office. I placed the documents in the XXXX  envelope and put the envelope into a XXXX  drop box. XXXX acknowledged that they received the signed final loan modification documents. XXXX mailed me the final executed modification agreement dated XX/XX/. 

I continued to make my mortgage payments. 
XX/XX/XXXX  {$890.00} XX/XX/XXXX  {$1000.00} ( I paid {$1000.00} via my bank online because a XXXX employee said that I had to pay this amount. ) XX/XX/XXXX  {$890.00} XX/XX/XXXX  {$890.00} XX/XX/XXXX  {$890.00} XX/XX/XXXX  {$890.00} PHH is not crediting me with the payments that I made and PHH says my loan is in default because PHH says that I have not made any payments in the year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: GA

Complaint narrative:
Transunion is refusing to adhere to According to the Fair Credit Reporting Act ( FCRA ), a credit bureau must block the reporting of any information resulting from an alleged identity theft. I submitted a complete Identity Theft Package and the credit bureau is only willing to dispute the fraud account which wont lead to no where.

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 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Bureaus, Inc.
State: NY

Complaint narrative:
I request that you CEASE and DESIST in your efforts to collect on the above referenced account. It is my personal policy not to deal with collection agencies and I will only deal with the original creditor of this account. 

You are hereby instructed to cease collection efforts immediately or face legal sanctions under applicable federal and state law. Remove this account from my credit report. 

There are several FDCPA violations that your company has committed. Each violations carries a {$1000.00} fine. I have found a total of XXXX FDCPA violations ( {$8000.00} ). 

GIVE THIS LETTER THE IMMEDIATE ATTENTION IT DESERVES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We received a letter dated XX/XX/XXXX from Wells Fargo stating that they were closing our checking account that we had held with them since XXXX. No reason was given for this decision except to say the bank made a business decision to close our account. We have opened a checking account at XXXX but have had to do the work of adjusting our direct deposit, automatic payments from Wells Fargo to XXXX. In addition no reason was provided to why our account was being close and that we are never allowed to open an account with Wells Fargo ever again.

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 2021-10-19 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: Jon Barry and Associates, Inc.
State: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. 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 2021-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SunnyHill Financial, Inc.
State: OH

Complaint narrative:
Contacted Sunny Hill Financial ( mortgage broker ) and XXXX XXXX and XXXX for quotes on a 15 year ( cash out ) refi. Both came back with differing quotes/ fees and would require a new appraisal- which was fine. Ultimately decided to move forward with Sunny Hill Financial, given they had lower fees and a slightly better rate. After locking ( 30 days ) the rate ( 1.875 % / 15 year ) and agreeing to the various fees, I was told that they were " unable to find an appraiser in the area ''. When I pushed back, stating that I wanted an appraisal done, they informed me that I live in a " rural area '' and could not find an appraiser to do it. The only option was to pay an additional ~ {$800.00} to close with no appraisal. They somehow received this " appraisal waiver '' through XXXX XXXX but was not disclosed early on in the process that this was an option. I pushed back and really wanted an appraisal done, both for the benefit of the report and the ~ {$800.00} less closing fees. I was informed if we went the " appraisal route '', we certainly would not have time to close within the 30 day rate lock period. Rates had of course gone up, and the lender was unwilling to provide a rate lock extension without incurring a fee ( again, not because I did not provide all of the required information in a timely fashion, but solely because the could " not locate an appraiser '' ). 

My issue is that this is the typical " bait and switch '' strategy that often gets exploited. I, the consumer, move down the path with a mortgage company with the understanding of rate, fee structure, appraisal, etc. and then once you're " in bed '', the financing structure changes. This is criminal in nature and should not be tolerated. My hand was forced to close a more expensive refinance because the interest rate lock would not be extended and the timing did not allow for the mortgage company to get an appraisal. None of this was my, the consumer 's issue, but I was responsible for the financial effect. 

I should be credited back the ~ {$800.00} that I was forced to pay and Sunny Hill Financial should be fined accordingly for deceptive / destructive behaviors and not acting appropriately as a fiduciary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have disputed with all 3 bureaus, XXXX and XXXX has removed with the same documentation I am requesting Experian to use. Experian has received over 10 disputes from me concerning this. 3 bankruptcies that do Not belong to me are on my report, I have verified with the Bankruptcy court directly who advises they have investigated and the bankruptcies belong to someone with the same name and similar DOB. I have also obtained documentation from XXXX XXXX the 3rd party information provider for Experian who has provided me with a letter stating they have investigated and determined these aren't my bankruptcy and have deleted from there records. I will point out several accounts which did not belong to me and said in the notes resolved in a chapter XXXX bankruptcy were removed by experian, My question if those accounts, the address and name variations were removed and determined not to be mine, why not removed the bankruptcies. Also the name of the debitor is wrong and appears as 'Us Bankruptcy Court XXXX '' No such court or enity exists ( XXXX is a town in New York , But no court exists there this is false and misleading and not in compliance with the FCRA and should be deleted solely on that as it contains inaccurate information.

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 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR

Complaint narrative:
Attempted to open a bank account with Simmons and was told I wasnt able to and they were not able to tell me why because they didn't know that information and to get in contact with XXXX XXXX and see what I need to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CarMax, Inc.
State: TX

Complaint narrative:
I XXXX XXXX entered into a consumer credit transactions with CarMax Auto Superstores , Inc on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but CarMax Auto Superstores , Inc made me purchase insurance separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I have filed three previous complaints to get my First National Bankof Omaha Credit card account reopened. Again, I was never told I could not reopen my account after bringing it current, which it has been for some months.

I encountered this same scenario with another credit card company and they did the right thing and reopened my account once I brought it current.

I was given the option to reapply for a credit card but was turned down for economic reasons caused by the pandemic. That leaves my no alternative.

Because FNBO has offered no viable resolution re the righteous use of my credit, this causes by unfair duress, I can no longer continue to make payment.

I will fight any arttempt to charge off this account and will fight this with all means possible.

It is up to FNBO to find some reasonable solution.

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 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: IL

Complaint narrative:
My auto rates are rather high, and believe old reports like tickets etc have affected my rates, and feel reports may continue to contain old information and should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: TN

Complaint narrative:
On XXXX I sent a letter to each of the credit bureaus because I bankruptcy on my credit report is not reporting 100 % accurately as it should be per the FCRA. Each of the bureaus sent a letter back saying they the information was correct and that they received the information from either XXXX XXXX or from my local court. On XX/XX/ I sent another letter to each of the credit bureaus again stating that I had already contacted XXXX XXXX and had my account frozen months ago because of a personal matter and I provided them with proof that my XXXX XXXX account was frozen so they blatantly lied about verifying the accuracy of the information! I also contacted my local court to see if they could provide clarity and they said they had not sent any information to the credit bureaus. I also sent proof of this to each of the three bureaus. I sent my last communication to them certified mail to keep a track record, I'm also taking great notes of our communication. The FCRA states that the information that they are reporting should be 100 % accurate and verifiable. They have failed miserably to verify my information. They are only sending me canned responses as if they dont care about the information reporting wrong. I plan to take steps to sue EACH of them and thats why I'm taking notes and keeping records

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GreenSky, LLC
State: FL

Complaint narrative:
XXXX XXXX sold me an HVAC for my home. As part of the sale and installation, they made clear they would service my unit for the first year of ownership at no charge. 

The first year went by without a visit as promised by the merchant. When I contacted them to inquire, they demanded a XXXX payment for the service. 

I subsequently made arrangement with an alternate vendor to service the unit. Following the service, I was informed the unit had in fact sustained irreparable damage due to the lack of consistent maintenance. 

I was registered with Greensky to make monthly payments by XXXX. 
I complained to XXXX although nothing has been done to rectify the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate pieces of information about my inquiries are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: Michael Andrews & Associates LLC
State: FL

Complaint narrative:
I received a notification from XXXX on XX/XX/2021 that XXXX XXXX XXXX pulled my credit report. I have not applied for any credit or have any dealings with this company and did not authorize this inquiry 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 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I am not sure where the debt came from because I have never had a bank account with XXXX XXXX XXXX XXXX. I went to a branch that is about 45 minutes away from me and they could not help me. According to them they could not find an account in their system that bared my name or social security number. That said, The XXXX XXXX XXXX XXXX unknown/fraudulent collection accounts on my credit. I have reached out to them and I have not heard back but they verified the accounts belong to me- the don'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 2021-10-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
Each time I request they accommodate my XXXX under the ADA they become hostile and argumentative and hang up on me for making a request for equal access as a XXXX person. They say we just go in circles even though I try to move it forward. They have now threatened to close my account if I keep trying to be accommodated. I have specifically requested effective communication within the ADA and an interactive good faith process to achieve a reasonable and appropriate lasting and durable accommodation for my XXXX. When I ask for good faith they hang up in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to Equifax Credit Bureau last XX/XX/2021, and I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act Law and continued to report inaccurate information on my credit report. THE ACCOUNT IS STILL FOUND AND NEEDS TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : TN CHILD SUP XXXX Balance : {$20000.00}

Company response to consumer: Closed with explanation