vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/2023 I was contacted by a mortgage agent XXXX XXXX  XXXX ) at Citibank who offered me a mortgage on my investment condo in Florida. After extensive questioning me he said I qualified for a {$250000.00} mortgage. I sent Citibank a deposit including money for an appraisal. After two months and hours to supply their requested documentation which supported everything I had told the agent are still suddenly requesting additional documents which are redundant to information already supplied. 
This is now the third month since my application and they now say I only qualify for {$160000.00}. I now feel that I have been scammed.

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 2023-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I was notified that there was a collection on my credit report from XXXX XXXX. The collection company is Convergent Outsourcing in XXXX XXXX. I have never used XXXX XXXX. The collection company gave me the account number, the address and email that was used. All of those were not mine. They did use my old phone number and somehow had my last 4 digits of my social security. I do not know how they got those but I did get a new phone and phone number around the same time back in XXXX. The collections lady said maybe they got my old phone number and were able to obtain the info. I only know that it was not me. I never lived at the address given. I never had an XXXX account. I did not have the other phone number used to set up the account. The address given was XXXX XXXX XXXX XXXX IL XXXX. The XXXX account used was XXXX. The email they used is XXXX. The other number attached to the account was XXXX. I have lost a loan because of this issue and can not get this removed from my account without an FTC claim. This charge is NOT mine. I pay my debts. I never opened this 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 2023-04-03 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: TX

Complaint narrative:
I reviewed my Consumers Reports and notice that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX  account # XXXXXXXX XXXX account # XXXX Please investigate and provide Proof with statements showing that these payments were late. if proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing this complaint to EXPERIAN I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I received an alert through XXXX XXXX notifying me that I had a new card on my account. I knew I did not apply for a card anywhere and the card says it was for XXXX XXXX I then received a paper statement in the mail showing what purchases were made and the location. I don't even have a XXXX XXXX near me or did I open the card when I have plenty of other cards. I am also a XXXX year old women who would not buy a ton of mens suits and jewlery.

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 2023-04-04 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: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Penfed Credit Union in XXXX Va and XXXX XXXX both denied me a car loan using erroneous information from XXXX. The details of my credit history is as follows. I have a credit score of XXXX, can't get much better than that. I have NO loans and the majority of my purchases are on my XXXX XXXX card that I pay off in full every month. there are a couple of credit cards from stores etc, I hardly use them and I. pay each and every one in full at the end of the month. I am retired, I own my home, no mortgage. No car payments or other consumer loans. I have assets in excess of {>= $1,000,000} the majority is in my retirement investment account, the rest in a bank or is real property. by any account I am an excellent credit risk. The explanations from Penfed and XXXX XXXX, make no sense and couldn't be a conclusion gleaned from the XXXX credit report. I believe I am the victim of discriminatory credit practice.

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 2023-04-03 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: GA

Complaint narrative:
On XX/XX/2023, I wrote a dispute letter to CRA Equifax and mailed notification disputing incorrect personal information reported by the credit reporting agency. In the dispute letter I specified the rationale for my compliant according to FRCA U.S.C.1681i. I mailed the letter via USPS certified mail, XX/XX/2023. As of XX/XX/2023, I have not received an update or response to my dispute. After checking Equifax 's website, there are no changes to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: CA

Complaint narrative:
My debt was sent to a third party without my knowledge I had never received a debt validation letter I have been receiving letters and calls from a collection agency

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 2023-04-03 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: GA

Complaint narrative:
According to 15 U.S Code 1681s-2 the responsibilities of furnishers of information to consumer reporting agencies is to update the credit agencies to inform them when information is not longer accurate information. I have file several complaints in regards to a fraudulent inquiry that was placed on my consumer file on XX/XX/XXXX. I have contacted the Financial institutions which is XXXX in several different complaints : CFPB # XXXX, XXXX, XXXX, XXXX. On XX/XX/XXXX I received a response back from XXXX and its stated that ( we have submitted an electronic request to have the inquiry generated by the credit application deleted from your credit file ( See Attachment ) .Since then Equifax continue to report fraud on my consumer file. Because of the financial relationship that the credit agencies have with entities I have reason to believe that Equifax and XXXX are willful noncompliance and continues to report fraud for financial gain and attempt to ruin my financial reputation. On XX/XX/XXXX Equifax response back and stated that XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. They also stated SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZE PLEASE CONTACT THE CREDITOR DIRECTLY ( See Attachment ). I have contacted XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and recently on XX/XX/XXXX. Since XXXX XXXX XXXX has stated on XX/XX/XXXX that they have submitted a request to the major credit bureau to have the XXXX XXXX inquiry dated XX/XX/XXXX deleted from your credit bureau report. XXXX also stated that previous requests were submitted on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( See Attachment ). If Equifax is stating that this inquiry is coming back as verified. Who are they verifying this information with? Is XXXX verifying this information since and just telling me that they are submitted requests? I have provided Equifax with numerous amount of proof and they continue to report fraud. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: CITIBANK, N.A.
State: OR

Complaint narrative:
Citi appears to constantly have issues with their site - while this problem is unique to this card. It seems like there is always an issue that mays my payment late. Please see the link below, I have paid on this credit card this way for over 10 years, the last few months the payment portal has been broken and I am paperless. 

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 monetary relief
Consumer complaint received 2023-04-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello I have attached an FTC report with collections and inquiries I didn't authorize

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 2023-04-03 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: Ability Recovery Services, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX I send money weekly to XXXX for this account but it is not being applied as I was never informed that my debt was being reassigned

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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached an FTC report with collections and inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX and XX/XX/ I made a partial payment of {$500.00} & {$500.00} towards my mortgage. It was applied to my escrow account versus my regular mortage payment. I received a letter in XX/XX/XXXX stating that my mortgage payment was 30 days late and would effect my credit score. I immediately called and tried to speak to someone to clear up the error. I was Not 30 days late it was just on the wrong account. This has had a major impact on my credit and I have not been late prior to this incident. Im contacting you to reverse the 30 day late on my credit report due to it being misplaced to my escrow account. It has been corrected and applied to the right account, but its stll effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2023, someone opened a Bank of America credit card in my name, in the amount of {$16000.00}. I have NO knowledge of this nor did I open this account. I reported it immediately to Bank of America. They put an alert on the credit card and closed it. Five ( 5 ) days later, XX/XX/2023, someone opened yet another credit card account in my name, in the same amount, {$16000.00}! I was never notified of this credit card, until I received an email from Bank of America. Someone had credit card sent to my old address in XXXX  I reside in XXXX. I contacted Bank of America again, but they would NOT close the account! Stated that I had insufficient information and didn't correctly answer their security questions. I notified all three credit bureau agencies both times and have a FREEZE on all three reports. Bank of America refuses to close the credit card account in my name, that is now shown on my credit reports, when this is NOT 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 non-monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
XX/XX/XXXX my wife and I were contacted by our mortgage company Mr. Cooper and were informed that they purchased secondary wind insurance in the amount of {$1600.00} which then drained our escrow account below the minimum balance needed in the account of {$670.00}, and we are being asked to pay back {$2100.00} before XX/XX/XXXX or our mortgage will go from a monthly payment of {$1600.00} to a monthly payment of {$1900.00} if they break it up into 12 payments. I knew that we have had coverage on our home with travelers insurance so I called our insurance provider XXXX XXXX  to check on our policy. They informed us that we have not had coverage on our home since XX/XX/2021 because Mr.Cooper failed to make our insurance payment so the insurance lapsed. I recall being contacted about this in 2021 I called Mr Cooper then to get there fax number so travelers could get paid apparently it was not paid which caused our insurance to cancel our coverage. I had to set up a new policy that moment. When I received this news I immediately called Mr. Cooper to get this resolved I was on the phone from last Wednesday to Friday was hung up on 3 times when the representatives at Mr. Cooper could not help with this issue. I was persistent and kept calling and being told I was being escalated up the chain of command to a manager. The " manager '' informed me that they could do nothing for me I would be expected to pay them back the {$2100.00} and that the only resolution would be to call my insurance company and see if they can back date my coverage to XXXX of XXXX  and that I would also be hit with a massive insurance bill because of the months I had no coverage. All because they failed to pay my insurance provider for my monthly insurance. I also had questions about where our escrow payments have been going if they have not been paying insurance since XXXX  with no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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:
on XXXX, XXXX 2023 XXXX XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rates for my house. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX ) has completely violated my rights as a consumer and i'm requesting legal action to remove this account expeditiously. 

Account Name XXXX XXXX XXXX : Account # : XXXX has violated my rights. According to the FCRA 15 U.S.C 1681 Section 602 A states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than record of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: TX

Complaint narrative:
on XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX XXXX and Experian. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rates for my house. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX ) has completely violated my rights as a consumer and i'm requesting legal action to remove this account expeditiously. 

Account Name XXXX XXXX XXXX : Account # : XXXX has violated my rights. According to the FCRA 15 U.S.C 1681 Section 602 A states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than record of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
My debt was sent to a third party without my knowledge I had never received a debt validation letter I have been receiving letters and calls from a collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had a ballon payment which I was not notified of. I was getting e-setatment which were going to junk mail. At the time of the purchase I was told I would be receiving notification before it was due by mail. I realized the XXXX in interest was charged in XXXX I call in XXXX spoke with two managers and was told I would be called back, I was not. I called the bank today and was told to put it writing and send to the headquarters. Their position is that I was just over thirty days. Mine is that I was not notified appropriately I wanted to pay balance due but not the XXXX XXXX in interest.

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 2023-04-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
At least a Toyota XXXX through Toyota financial services. The vehicle was totaled by a party that unfortunately was shot and killed by police. Because the vehicle was totaled at no fault of my own the other parties insurance. Paid for the remaining of the vehicle. I inquired through XXXX, XXXX XXXX, XXXX, and Toyota on the information has been provided on my credit report. All three credit bureaus did not give me anything worth substance. Toyota never responded at all. I sent out certified letters, requesting all information and regard to this debt.

Company response to consumer: Closed with explanation