vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: OH

Complaint narrative:
I have called a few years ago and i wont tell me the items or the account that they say I was using to pay on it. I stated to them years ago that this was not me. I lost my wallet years ago and have an identity theft added to my account become several item have appeared on my name that was not me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I'd submitted a mortgage refinance application in the amount of $ XXXX with XXXX XXXX, XXXX, Producing Lending Manager from Citibank XXXX, NMLS ID # XXXX in XXXX XXXX XXXX, New York. 
On XX/XX/XXXX the application was conditional approved. 
On XX/XX/XXXX I was told that my application had been assigned to an underwriter and that the closing could be any day. 
Between XX/XX/XXXX and XX/XX/XXXX, more than 20 emails initiated by me to inquire on the status and MLO, XXXX continued to tell me that it was being worked on. Meanwhile, my application had not been reviewed by any underwriter for 5 months. 
Finally, after numerous submissions of bank statements ( 4 times ), paystubs ( 3 times ), tax returns ( 2 times ), W2s ( 2times ), heloc subordination documents ( 2 times ) the closing date was set on XX/XX/XXXX at XXXX at the bank attorney 's office. 
I arrived at XXXX on XX/XX/XXXX at the attorney 's office for closing and waited until XXXX. The closing attorney finally came to meet me and informed me that there would be no closing until Citibank could straighten out the numbers. 
I phoned and emailed MLO, XXXX and his XXXX, XXXX XXXX for the next hour and did not receive any responses. Hours later MLO, XXXX emailed me and said we could close the next day. At this point I could not believe anything anymore so I had decided to take my business to another financial institution. 
Citimortgage, the lending department and MLO, XXXX XXXX have failed to handle my application in a timely manner ( 7 months and 19 days ) and still no closing. Communications was mostly one-sided initiated by me. Citibank management on all levels did not show any care and understanding through out the 7 plus months ordeal.

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 monetary relief
Consumer complaint received 2021-05-29 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: MD

Complaint narrative:
As usual, Equifax has target me and incorrectly reported/verified information. 
My credit utilization ACCORDING TO THEM is 45 % and that is NOT true! 
My utilization is EXACTLY 2 % ON PURPOSE. Im as to which previously I kept at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi promotion for new account published on internet with terms if $ XXXX funding new account by XX/XX/XXXX, maintain for 60 days to earn {$200.00} bonus. I met all criteria and am being denied promotional bonus due to discriminatory, unfair and deceptive practices. 
XX/XX/XXXX new account opened by telephone. I asked for bonus code but never provided. Agent told me not necessary. 
XX/XX/XXXX {$5100.00} funding posted XXXX XXXX, contacted Citi via their chat feature and was assured by multiple agents I met all criteria and {$200.00} bonus would post by XX/XX/XXXX. 
Bonus DID NOT post, contacted Citi to resolve. They told me there was no bonus and would not honor the terms. 

I contacted Citi multiple times via phone and no resolution. I emailed their board members no response. 

Please help to give me the bonus due. I did my part and this is creating harm to my family by Citi discrimination and unfair,, deceptive practices.

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 2021-05-29 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: OH

Complaint narrative:
I was notified of a derogatory mark on my credit report by my credit monitoring service. I pulled my report called the debt collection company and got the original debtors info. I called and found out it was a medical bill for my minor son who was living with his mother, my ex wi

fe ( custodial parent ) at that time. The medical billing department stated they billed me because I carried the insura
nce. The sent all bills to my ex wife 's address as that was the address they had on file. She never paid or notified me of any bill that came to her address. She signed the financial responsibility papers when taking him to the Dr . I gladly paid the billing department directly and was told before hand that it would remove it from my credit report.

As I was never properly notified of the debt how could it be a late payment on my part? I am being punished by an error on the doctors office. Both the credit reporting agency, Experian and the collector. XXXX XXXX XXXX will not do anything about it after 2 appeals.

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 2021-05-29 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: Debt Recovery Solutions of Ohio, Inc.
State: OH

Complaint narrative:
I was notified of a derogatory mark on my credit report by my credit monitoring service. I pulled my report called the debt collection company and got the original debtors info. I called and found out it was a medical bill for my minor son who was living with his mother, my ex wife ( custodial parent ) at that time.

The medical billing department stated they billed me because I carried the insurance. The sent all bills to my ex wife 's address as that was the address they had on file. She never paid or notified me of any bill that came to her address. She signed the financial responsibility papers when taking him to the Dr . I gladly paid the billing department directly and was told before hand that it would remove it from my credit report. 
As I was never properly notified of the debt how could it be a late payment on my part? I am being punished by an error on the doctors office. Both the credit reporting agency, XXXX  and the collector. Debt Recovery Solution will not do anything about it after 2 appeals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Kohls stated my XX/XX/2021 billing that I did not my pay credit card balance statements for twXXXX months ( XXXX 2021 ), then put a ding on my credit reporting for non-payment. I received an email notice in XX/XX/2021 from Kohls regarding my lack if payment. 

I immediately XXXX XX/XX/2021 XXXX contacted Kohl 's Customer Service Dept. to investigate this issue. Upon my discussions with Kohl 's I discovered that Kohl 's sent my billing statements to the wrong address for the last two months and not to my old address, but an address I never heard of. I relayed that info to Kohl 's C/S without my success. I immediately paid off the remaining balance of the bill and have been escalating this issue through Kohl 's C/S Dept. with without much success. 

I have NEVER missed or was late with a payment to Kohl 's in my history with them. I have a had various issues with Kohl 's the last four years since I moved with packages being sent to the wrong addresses, However for the most part my billing has been sent to my current address, except for this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: Synovus Bank
State: MI

Complaint narrative:
I have sent two different letters with supporting documentation, and instead of reporting the information the correct way. They went back a whole year and totally reported incorrect information nine tines ( 9x ), in addition to adding a comments of me being late multiple times with 30-90 day marks. This is INCORRECT, this account was closed owing no money back in XX/XX/2018. I have asked them to correct it and they keep putting LIES on my report causing my score to drop by XXXX. If an account was closed in 2018 how is it being reported now with TONS of incorrect information. I was trying to buy a house and this reporting has totally stopped it all, angry is an understatement!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: FL

Complaint narrative:
The SBA issued a loan for XXXX in the name of my company under my parents address in XXXX XXXX Florida which does not have any connection to the business. I only found out this happened when I got mailed a bill to there address dated XXXXI did not apply for this loan and did not receive any money. I have contacted the SBA to report the fraud and also by mail which was delivered certified mail on XX/XX/2021. But I have not heard anything else back from them as far as resolving this. 

I have filed a police report case # XXXX with the XXXX XXXX XXXX XXXX Florida which is where I live, the detective couldnt do much since the crime seems to be done online so he said he sent it to the fbi. 

I have locked all my credit scores since this occurred.I have reported this on XXXX XXXX and followed there steps which now include contacting you. I have also reported this on XXXX 

The bank that I guess opened a fraudulent account for the loan is XXXX XXXX XXXX they contacted me about a week or two after reporting to SBA the fraud, they only asked if I didnt open the account they had which I didnt said it was likely fraud and that the account was opened online but would not give me any other info. 

The credit agency that did the fraudulent credit check is experian who I notified in writing that this background check and loan where fraudulent and I have not heard from them, the notice was sent certified mail and recieved XX/XX/2021 Thats all the info I have hoping to sort thru this and get on with life.. thank you

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 2021-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax claims I do not have a credit file. I have had a credit file with Equifax until a few years ago. I checked with my creditors and they report to Equifax monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: PENTAGON FEDERAL CREDIT UNION

Complaint narrative:
I was trying to get {$20000.00} of personal loan from penfed credit union. In fact, it has been approved in application process but I received letter that my credit score showing as XXXX  dated on XX/XX/2021.

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 2021-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
This 3rd party Collection agency has Medical Statements that violate the HIPPA Policy which are my medical records. This is a Violation to my rights and my privacy with the hospital and I never agreed to sign for a 3rd party collection company to have my personal medical records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
PayPal had closed my account for no reason I just have gotten a the account with PayPal I have {$400.00} I want my account covid-19 and all the other stuff that is going on in the world I am broke I am not able to get to my money I need my money ASAP. If you guys could please help me out with PayPal and their problems that would greatly appreciate that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MA

Complaint narrative:
I received an undated letter from a company called Afni with an address in XXXX Illinois. They are allegedly attempting to collect an alleged debt on behalf of XXXX for {$3700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

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 2021-05-29 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: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: Synovus Bank
State: CA

Complaint narrative:
As of XX/XX/2020 I called In to first progress credit and was trying to pay my bill the one woman was very rude I hung up on her. The next person to help me was fine I paid my bill, got charged the fee again for doing so and continued my day. I believe that the woman was angry after speaking with me and without consent closed my account that was only open for 2 months. After. Any calls I was told this was a mistake and that it would definitely not show up on my credit report as they report the XXXX. I was promised over and over that the account closure was a mistake and it would be reversed in 48 to 72 hours. This company is very very shady and that should not be in business. I have made hundreds of payments on time and have had no issues with any company except them. This company has single handledy in 2 months dropped my credit score from XXXX to XXXX in a matter of 2 months and it is wrong I've do e all I can to reach out but they are bullying me and effecting my life over a simple XXXX dollar prepaid card. On top of the fact that I believe they have sold my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: WI

Complaint narrative:
Our mortgage lender ( ServiceMac ), has fraudulently purchased hazard insurance in our name after receiving proof of prior home insurance already in place without lapse in coverage. ServiceMac first sent a letter in requesting proof of insurance in XXXX. In response our insurance company faxed our current policy on XX/XX/XXXX stating that we are in fact covered. Assumed this would be enough to assuage their complaints, it was not. ServiceMax claims our address was not accurate on our insurance policy. We have evidence stipulateing a change of fire number as early as XX/XX/XXXX as mandated as a county ordinance for XXXX County in Wisconsin. Address for property is the same as property address on our Tax Bill, and matches the address on our insurance policy. ServiceMac refused to update address and hence claims that we do not have insurance on our property and proceeded to purchase hazard insurance on our behalf from a subsidiary company that they own. The insurance company policy address they used and their own address are the same. We have sent multiple faxes of proof of address and policy and they have refused to update their records. Most recent attempts to finalize problems were XX/XX/XXXX. As of now, our account has been charged XXXX with insurance coverage taking effect on XX/XX/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 2021-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc
State: NV

Complaint narrative:
Im in the XXXX and my main hospital in my location is XXXX XXXX XXXX base. Being that I was in XXXX XXXX I couldnt make it to the hospital in time so I needed to go to XXXX XXXX XXXX on XX/XX/XXXX. I called the ambulance and was sent to the hospital. XXXX, the military medical insurance paid the hospital in sufficient time and not the ambulance because they did not send them the signed documentation for correction to be paid. However, it was eventually fixed and they received their payment, roughly 3 days before the charges appeared on my credit which has been since XXXX. I contacted the community ambulance and they said that should not have happened because my bill was paid and they would contact the debt collector to remove the debt which has been over a month. I tried to dispute it myself and I have proof that it was paid and it should not have been on my credit to begin with.

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 2021-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
My mortgage company had not paid my XXXX taxes even though we have paid on time and can see all of the money is sitting in escrow. Its a little over {$3000.00}. I have called repeatedly and told them if it is not paid by XX/XX/XXXX a lean will be put on my home and my credit score will be impacted. They said they most likely will not be paying the late taxes by that date and they can not speed up the process. I checked today XX/XX/XXXX and it is still not paid. So now I will be impacted for them not doing their job. If it is not taken care of in XXXX they can put our house up for sale.

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 2021-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
THERE ARE SEVERAL ACCTS ON MY CREDIT REPORT FROM 2017 THAT ARE IN LITIGATION AND STILL ON MY REPORT THAT IS FRAUD ANYTHING OPENED AND OR USED IN 2017 IS FRAUD I WAS IN THE XXXX IN 2017 XXXX  AND XXXX  WERE COMPROMISED IN 2017 AND MY INFORMATION WAS STOLEN I HAVE TICKETS AND COURT DTAES IN MY NAME ALSO BUT I WAS IN PRISON IN NEED OF ALL 2017 TRANSACTION UNDER MH NAME XXXX XXXX TO BE DELETED FROM MY ACCOUNT IMMEDIATELY I HAVE ALREADY HIRED A LAWYER AND WE ARE PERSUING LEGAL ACTION AS WE SPEAK ANYTHING IN 2017 FROM XXXX XXXX XXXX XXXX GA XXXX IS FRAUD using my name XXXX XXXX and my social to open up cards?!!

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