vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by CITIBANK , N.A . I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by CITIBANK , N.A . on XX/XX/2021 via U.S. mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by CITIBANK N.A XXXX adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( XXXX ) ( A ) ( iii ) are up to ( {$5000.00} ). CITIBANK N.A. is now civilly liable to pay me for the damages.

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 2022-02-02 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: NJ

Complaint narrative:
On XX/XX/2021 EQUIFAX removed the collection account of XXXX XXXX XXXX XXXX XXXX from my credit report however, it was added back without properly notifying me. I made two attempts for them to correct this issue and they did not resolve it. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business days after the reinsertion. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
CONTACTED XXXX XXXX XXXX  ABOUT THIS DEBT IN THE AMOUNT OF {$340.00}, THIS DEBT IS NOT MINES, COMPANY REFUSED TO SHOW PROOF OF RESPONSIBILTY OF DEBT, I WILL LIKE THIS DEBT TO BE REMOVED NOW FROM ALL THREE CREDIT BUEARUS ASAP. FALSE UNATHORIZED INFORMATION IS LISTED 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 2022-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC
State: OH

Complaint narrative:
XXXX claims that they could not find and records of my dispute. I have complete numerous web application via XXXX Disputes and Debt Validation webpage. I will attached the latest submission to this complaint.

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 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Yesterday we opened the mailed and received a letter from CitiBank stating that they were closing our dispute for the {$4700.00} for the Wire Fraud due to not receiving the paperwork back that they requested. Now that's a lie, if you look at CFPB case # XXXX I attached it there as well after I faxed it. 

Please investigate the Wire Fraud and I'm attaching the paperwork to this case as well.

Also CitiBank closed my son 's account stating that they didn't want to do business with him. I think they're being bias and XXXX because he was a victim identity theft they're treating him like a crook. by closing his case. 

CitiBank also put him in XXXX XXXX  and it's causing him not to be able to get another checking account, and they did this prior to them completing the investigation.

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 2022-02-02 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: FL

Complaint narrative:
While checking my credit recently, I noticed a few items that doesnt belong to me. The following accounts are fraudulent. 

XXXXXXXX XXXX {$6400.00} XXXX {$750.00} XXXX XXXX {$600.00} Please see attached FTC report submitted by myself.

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 2022-02-02 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:
While checking my credit recently, I noticed a few items that doesnt belong to me. The following accounts are fraudulent. 

XXXX now {$6400.00} XXXX {$750.00} credit collection {$600.00} Please see attached FTC report submitted by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I applied for a credit card with JP Morgan Chase and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2021, I was denied an extension of my credit due to Truist/BBT unlawful acts. 
Truist/bbt is a bank, a bank can not loan money, do not have the power to loan money, and can not loan credit or extend credit. Which mean Truist/BBT do not have the right to deny a consumer their own credit. Which led to the Adverse action letter I received. 

This is criminal liability and discrimination, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an Adverse action against a consumer.

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 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Prosper Marketplace, Inc.
State: WA

Complaint narrative:
I received a credit card in the mail from Prosper that I DID NOT APPLY FOR. It has a number on it to call and activate the card and a XXXX XXXX on the back of the card which I did call to report fraud and no one answered after 30 minutes on 2 different calls so far. 
I reviewed my 3 different credit reports and 2 of them listed soft inquiries from Prosper within the last month. 
It appears to me if I call the activation number it will likely be automated and will act as a tacit request for a credit account with them so I did not call that number.

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 2022-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Wells Fargo advised me if I would make on time payments for six months they would review and help on the late payments fees. I did all this and put on auto payments also. Called after 6 months and around and around I go. Go taken up the latter then I get a letter saying they reviewed all my calls. Well not all. Showed only called twice in 3 months. Well my version bill shows 15 times. 
This bank lyes like they did to the government. 
Still no resolution on lying on my credit report also Looks like some deal was made not to auto update everyones credit report after the line of credit scam. Now over averting there new scam of a credit card

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 2022-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
My complaint is more than about repayment options. my student loans have TRIPLED in the time that I've had them. There were many times where I tried to do income based repayment and the payments were too high I attended the University of XXXX in Michigan and was encouraged to even go back for my MBA. this school had me in an " e-business '' curriculum.

When navient reported my loans late it tanked my credit score and I almost lost my job ( I'm a XXXX XXXX XXXX ) and my credit score is important. 

I won't be able to purchase another home with student loan debt near $ 300k!!! 

They pushed me to forbearances and consolidations ... this whole experience with navient and these loans and school have damaged my life!

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

Complaint narrative:
I have several issues with Equifax XXXX. I submitted a disputes for some closed accounts that appeared on my credit report that doesn't belong to me, please look below : XXXX XXXX  XXXX XXXX XXXX XXXX In XXXX and XXXX, I paid all these accounts off to XXXX because I was buying a home and this was causing me to get a higher rate and lower approval amount. Before paying them off I did dispute with both the creditor and the credit bureaus and I was still stuck with these accounts. 

I want these accounts removed as these aren't my accounts, I never authorized no one to open them, and I have received any items off any of the purchases for the charges. 

Today I received my results on confirmation # XXXX that states on each one of these accounts, " The information you disputed has been verified as accurate, and We verified that this item belongs to you ''. 

Crazy thing is I've asked how was this verified, I also asked for documents barring my signature the credit has failed to provide me this, please send me anything that I can give to law enforcement as I've filed a police report and a Federal Trade Identity Theft Report ( attached ) XXXX. Equifax want share my information with other XXXX bureaus credit services this is so I can check my credit reports often without going to each individual sight, please also look at the attachments. 

XXXX. I gotten married recently I sent Equifax my ID with my married name on it, they have yet to update my name as XXXX XXXX they are being disrespectful and XXXX about making the request in this complaint as I know caucasian don't go through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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:
I filed a complaint with the CFPB yesterday and in under a 24hrs Equifax is claiming to have conducted and investigation and response. They continue to allow INACURATE INFORAMTION ON MY CREDIT REPORT as a consumer I deserve to have a credit report that is 100 % accurate. Equifax is claiming that they will send me a letter in 60days. That is 60days of having an account that is inaccurate on my credit report. The worst part is Equifax have fair practice and procedures that they continue NOT to follow. I expect Equifax to delete the Consumer ADJ account OFF my credit report. 
At the VERY LEAST EQUIFAX need to show me the way that this account was verified! I don't believe they can because I DO NOT HAVE AN ACCOUNT WITH CONSUMER ADJ, never gave them the permission to access my credit report, never made ANY PATMENTS but Equifax allows them to continue to " update '' this false information. In order for a company to add an account to a credit report they have to send information to the bureaus I have disputed that information and have also submitted concrete evidence that this account is inaccurate and yet Equifax doesn't delete this information. When I have asked them to send me the information on how they have verified this information they have not let me know how it was even verified. If they are using information from a website that is not 100 % accurate it can not go on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Suntrust ( as they love to say " Now Truist! " ), has been making me wait almost an entire month to make a single payment. They have shown double charges and reversals, telling me that they have indeed received everything correctly, only for it to go back to how it was. Eventually the Bank decided to send me a letter through snailmail letting me know there is a specific number I can call to try sorting this issue. Calling the number however, only induces more frustration as they inform me there's nothing " they '' can do until the payments that will- not go through, " finalizes '' and then they can start working with me. 

To be extra clear, I attempted two payments through the app. The first one I set up and saw no form of acknowledgement or confirmation, thinking maybe it didn't go through, I made another payment which also didn't show. Two day 's later I see them post to my account but eventually they reverse, for some unknown reason. I tried again through the app with no luck. It is after these events I receive a letter and make the call. The payment confirmations that are being sent to me ( over the phone payments with an associate ) state they are coming from a suntrust bank ( I do not have a checking account with them, and also they confirmed over the phone the Correct bank ) so I'm not sure what's wrong with their system, but, something is and they are making me pay for it with my time. 

This entire time however they've had no issue reporting my apparent balance to the Credit Bureau 's, that my card is at whatever % of usage, even though I've been attempting payment. 

Truist is going to make me wait to solve their issue, I've had previous, non credit card related issue 's for months, and they're making ME report to the credit bureau 's that there is incorrect info.

I've had multiple over the phone associates either speak softly, with terrible quality, or flat out rudeness. I have also had them hang up on me, in different circumstances. I've been put on hold for 10 minutes to have them hang up, I've also been told " okay wait while we transfer you '' and had them hang up. 
That's another game they like to play, no one seems to know which specific department to send you to so prepare to go round n ' round if you need to call them.

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 2022-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This morning around XXXX XX/XX/2022 a man calling himself XXXX XXXX saying he was calling from XXXX  XXXX XXXX my electricity company. He provided a badge number and sounded convincing. He said he was going to shut our electricity if he we did not pay our account. He said our account was red flagged and we owed money or they would shut our electricity immediately today. First, he said we owed XXXX XXXX He said we couldnt pay via mail or credit card in time to make sure the electricity stays turned on. He said the only way for an immediate transaction to keep the electricity on was to use XXXX  payments. Then after that payment he said you need to make a deposit and it will be returned to you right away due to an issue with the software. Then he said you need to make a deposit so that the account will go through {$480.00}. So, we gave him that. Then he said the last is a deactivation code but it will not be deposited for XXXX XXXX We were concerned and didn't want our electricity to be shut off. His phone number was XXXX. He said his name was XXXX XXXX and his badge number is XXXX. He told us to send to an official sounding XXXX  account : XXXX XXXX XXXX XXXX Name : XXXX. To this account we sent two payments {$390.00} and {$610.00}. Then to a XXXX XXXX account phone XXXX XXXX XXXX we sent {$480.00}. We thought it was suspicious afterward and called XXXX XXXX, they said this was a fraud. Then we called CHASE bank to file a claim with claim ID : XXXX. They said they would interact with XXXX. I thought of also filing a claim with XXXX, but XXXX does not allow that if you performed XXXX throught you bank. We also called the police and spoke with them about this incident. The man called again and we recorded him. He has been calling all day. We are scared and not sure what to do. As soon as we were suspicious we called XXXX XXXX and realized it was a scam and then called the bank right away. This is within 30 minutes of ending the phone call with the suspicious man. I saw online that if someone tricks you into paying a scam you are protected by the Electronic Fund Transfers ( Regulation E ). Please help me, I am just a student trying to helping my mom out with some bills. This was almost all of the funds in my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
The company Best Service can not provide evidence that there is a wet signature of mine on the account that they are reporting as a collection. XXXX and XXXX are not reporting this as a collection. Only XXXX has this reported as such. This debt was never mine and the Best Service Company did not provide me any info on the validity of the debt.

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 2022-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation
State: GA

Complaint narrative:
To whom it may concern, My old mortgage company, Home Point Financial, sold my mortgage to another company ( XX/XX/2021 ), XXXX Mortgage, and the change was reflected on my credit report with a XXXX points deduction ( XX/XX/2021 ). 

My understanding is that such behavior should have not impacted my credit. 

XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
On XXXX I contacted Freedom Mortgage after receiving notice from XXXX XXXX that my taxes had not been paid by my escrow as they had been for many years. I contacted Freedom to have them corrected this and a few days later a representative from the company called me and told me that they were taking care of this and that it would be corrected. A month later and the issue is still unresolved and the tax bill is unpaid. Freedom had sent a message in their online message system that counters the phone call from the representative that said everything had been corrected and taken care of, instead the online message has basically told me that I have to pay it and they're not taking responsibility for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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:
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 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 2022-02-02 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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