vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-10 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: CL Holdings LLC
State: CO

Complaint narrative:
I did not open this account. I can only assume my ex husband opened this under my name when we were legally separated, or perhaps one of his friends did, but I DID NOT. i have told this to every agency or collector that calls me about it. This is NOT MY ACCOUNT! I never had that phone number, I had no knowledge of it being opened in the first place, and can not be responsible for something I didn't do, give permission for even have awareness of!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: KY

Complaint narrative:
Attempted to refinance my mortgage with Freedom Mortgage in XX/XX/2021, applied, and was initially accepted. Looking to refinance because my father was dealing with end stage XXXX XXXX XXXX XXXX XXXX  ( he passed XX/XX/XXXX from it ), and I was looking to not only pay off my debt, but also to assist him with the excess ( fall risk/needing constant care ), etc. with whatever was left over. So, XXXX documents sent to me and signed, statements from agents about rates, estimated loan rates and costs, etc. Everything was going ok, delayed somewhat, multiple requests for information, 30-day payoff letters for debts, XX/XX/2021 - {$95.00} XXXX ( termite inspection ) that I paid for as well as XX/XX/2021 - a {$300.00} home inspection that I paid for on XX/XX/2021 ; that was claimed to be what was holding up the process and needed, and did all of that. Around XXXX there was an email from an agent, XXXX XXXX, claiming that the underwriter had found a judgment in favor of XXXX, " please provide proof of payment ''. I am not a customer of XXXX, no accounts ever, etc. But I contacted them, talked to their agents who found nothing with my information after SSN search, name search, etc. but they could not provide this to me in letter form due to me not being a customer ever and I explained all of this to the mortgage company agents as well as their supervisors through emails and phone calls; gave them all contact information for XXXX also. It was returned as stating " the underwriter rejects your explanation ''. The XXXX agent then told me to ask for proof of what the underwriter was seeing. I did this, sent it in email to multiple agents. The next week after sending it I was sent an email by Agent XXXX XXXX containing another DocuSign but it was a credit denial letter, dated XX/XX/XXXX, but sent to me XXXX XXXX After being drug along for months, the statements of what was allegedly still needed from mortgage agents, and documents beforehand, that gave no indication anything was amiss whatsoever, until the random " underwriter '' issue arose and was never explained ; nor was I ever provided proof of what they said was a judgment even after requesting it over phone as well as through email. Instead, once I asked for proof of what the underwriter was allegedly seeing, I was sent a 3 month old credit denial letter after paying {$390.00} for services for something I was constantly told would happen. Over 40 emails, numerous phone calls, being told not to contact other lenders or incur credit inquiries during the process, all just full of seemingly false statements by mortgage agents seeing how I was never informed until XX/XX/XXXX of a credit denial letter dated XXXX XXXX. Deceptive lending at best, and at the end of it all my father died before I was able to help him at all as well as being out of pocket {$390.00} for false and deceptive practices by my mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: REGIONS FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2022 I mailed in a form canceling a product post dated within XXXX hours of signing the form as required by AZ state law. I also notified the representative that I dealt with via text and every agent that visited my home afterward that this plan had been canceled. On XX/XX/2022 an account was opened on my credit report for XXXX without my consent, after I had already canceled the plan. No work has been done, no audits were completed and no permits were filed and yet they opened up an account in my name.

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 2022-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Sir, On XXXX XXXX XXXX XXXX XXXX, while trying to access XXXX XXXX, a QR code appeared on the TV screen ( Ax : 1 ) to scan it for access. After a couple of attempts, a telephone number floated across the screen to call for further help and that eventually led to my identity theft with two unauthorized transactions appearing on my XXXX store card and Citi-Costco XXXX  card statement of {$100.00} value each. I had reported the scam to these institutions and following a thorough investigation, the money was credited back to my account. Since then I took steps to prevent further abuse of my identity by enabling dual authentication and changed my user-id, password. Got my laptop cleaned, reported the incidents to CRAs and various institutions on ID theft alert. After these events, I became extremely careful and diligently checked all bank checking and credit card transactions regularly. 

ON XX/XX/XXXX while waiting at XXXX XXXX XXXX for my appointment, got two XXXX notifications to respond yes/no to a request by XXXX XXXX for payment from CITIBANK. I responded accordingly having never met a person with such a name. This was followed within the hour by another two notification from XXXX  XXXX XXXX for XXXX payment. Suspecting foul play I reported the matter to both the institutions immediately. Also notified institutions ( XXXX, XXXX ), reported online to XXXX  ( ref.. # XXXX on XXXX ) and filed police complaint. Since then my dispute with XXXX XXXX  XXXX has been resolved and debt recredited. Citibank however refuses my claim despite four appeals responding each time with a standard reply " XXXX claim reviewed by Fraud and DENIED due to no fraud found. Claim lacks credibility. '' CITIBANK N.A. 

XXXX XXXX XXXX XXXX Debit Pay {$350.00} XXXX XXXX Disputed Under Appeal XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX Disputed Under Appeal XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$340.00} XXXX XXXX DISPUTE RESOLVED XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX had BLOCKED Transaction XXXX had immediately gone into action based on my complaint and was able to block the second transaction of {$94000.00} and had honored my claim of {$340.00}. Citibank has however failed to diligently investigate and come to a logical conclusion. They insist that the device used was mine and therefore my claim lacks credibility. Citibank is doubting my integrity despite banking with them for more than 20 years and as you can see from the above that though the MO was the same with both the banks apparently executed by the same person, the banks came to different conclusion. 

I therefore request you and your team to diligently investigate the matter and come to a logical conclusion. Documents supporting the above statements are attached. 
Regards

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 2022-02-10 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: PA

Complaint narrative:
Please be advised that as of ( XXXX ) -as listed on my most recently reviewed consumer report, there are unverified accounts listed. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: PA

Complaint narrative:
Please be advised that as of ( XXXX ) -as listed on my most recently reviewed consumer report, there are unverified accounts listed. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy

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 2022-02-10 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:
Please be advised, I noticed the credit bureaus that I had been a victim of identity theft. Per FCRA I asked them to block information from my report. Not only did they ignore my request, it seems as if the are evaluation of the FCRA and the FTC. I sent a statement ftc report and proof of identity. It was also names on my report I never went by Accounts XXXX XXXX  {$380.00} XXXX XXXX {$810.00} XXXX XXXX  {$1200.00} XXXX XXXXXXXX  {$1600.00} Please see attached FTC report for additional information amounts account numbers and off please like this information from my report as it was right please block this information for my report as Ive sent in the proper identification if I dont hear back from you and this is not a block within four days I will make a complaint with the attorney generals office and seeking to get a legal counsel XXXX XXXX XXXX XXXX XXXX XXXX All of the following names are fraudulent and needs to be removed. 
Please see attached FTC report and proof of identity thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: IA

Complaint narrative:
On XXXX I wrote check number XXXX for {$100.00} to XXXX XXXX. On XXXX it was cashed as check number XXXX. On XXXX it was cashed again as check number XXXX. I first called US Bank on XXXX. I was told I would receive paperwork I never received. I called again on XXXX and spoke to XXXX. I was told it was a double posting and I should see the money in my account in XXXX days. On XXXX I called a third time and spoke with XXXX and XXXX. I was told a fraud case was opened and I would receive paperwork in the mail. I never received the paperwork. On XXXX I went to my US Bank and met with XXXX. I was told it appeared both a double posting and a fraud case were opened. Both times more information was requested by the company, although no one requested more information from me. Both times the requested information was not received and no one followed up or contacted me. On XXXX I left a message for XXXX wanting to know where the case stood. I received a message back saying it was being worked on. On XXXX I returned to US Bank and spoke to XXXX who opened another case and said the money should be in the account within XXXX days. I then asked to speak to the manager, last name XXXX, and requested the money be placed in my account now while they continue to investigate. I was told that was not possible as " debits have to equal credits! '' and told I should see the money in my account in XXXX days. I don't believe them anymore.

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 2022-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX posted to my checking account a withdrawal from PAYPAL in the amount of {$31.00} to *rgergree XXXX. 
On XX/XX/XXXX XXXX posted to my checking account a withdrawal from PAYPAL in the amount of {$46.00} to *rgergree XXXX. 
I called PAYPAL ON XX/XX/XXXX. I was told someone named XXXX XXXX used my account to pay funds to himself using my account. I told them I do not know XXXX XXXX and did not authorize any payment. PAYPAL also disclosed that another email was set up that was not my email. My email is XXXX, the email used was XXXX. 
I received an email from PAYPAL dated Sat. XXXX XXXX with CASE ID XXXX. 
The email stated the transactions were denied. 
The transaction ID # XXXX and transaction ID XXXX. 
I called PAYPAL to find out when I would receive the refund since the email stated the Transactions were denied. PAYPAL stated that meant the refund was denied. PAYPAL stated that they had contacted my bank and that my bank authorized these transactions. I requested proof, PAYPAL could not provide proof, I requested PAYPAL stay on the line to speak with my bank on a XXXX way call, I got my bank on the phone, PAYPAL hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
ALLY BANK committed fraud on my account.

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 2022-02-10 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: TX

Complaint narrative:
This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

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 2022-02-10 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: TX

Complaint narrative:
This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under XXXX by the XXXX  of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: FL

Complaint narrative:
I have a collection reported from a medical visit by my daughter. Her father and I are divorced. Her provides insurance for her and is responsible for any amount over {$200.00} on medical fees. In XX/XX/2020 she was seen in an ER. The ER doctor did not file on her insurance and since I have sole custody my name was entered on the account. I disputed this collection in the amount of {$1600.00} and sent a copy of my divorce decree to transunion. 
I had initially stated this was not my account and then finding it was for medical service for my daughter submitted the divorce decree. Over the phone, I was assured this collection would be removed. on my XXXX XXXX account is was removed then it reappeared. I would like your assistance in removing this collection from my record once and for all.

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 2022-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am filling a complaint because I want to pay my escrow and home insurance and the bank wants to charge me an escrow fee. I have an excellent credit score, never been late. 

Back in XX/XX/XXXX, I went to Santander Bank the Branch in XXXX MA, I brought with me the letter that I received from the bank. Previously I made a request to the bank that since I have excellent credit, and since XXXX I refinanced with them my mortgage it was time for me to pay my property tax and my home insurance without having the bank retain my taxes and home insurance plus the " cushion '' I was told to get out of this I need to pay 0.25 % of my mortgage balance which is a large amount. I had a mortgage balance of {$420000.00} and Santander sent the letter stating that in order for me to get out of this paying my escrow and home insurance I would have to pay {$1000.00}. I was upset and while I was waiting at the branch another customer said he went through the same thing and was XXXX, he refinanced with another bank he said it's like dealing with the XXXX. I spoke with XXXX and we got on the phone with the mortgage and requested to have the escrow and home insurance removed so that I can pay myself. The banker said that it was fine and that I would receive a letter in the mail to confirm it. But when I got the letter i got rejected again. I do not have the money to pay them the escrow fee '' times are rough. I recently sent the Santander bank my XXXX XXXX XXXX Real Estate taxes where you can see my taxes went down to {$2500.00} each quarter see attached. The escrow analysis was reduced by {$5.00}

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 2022-02-10 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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