vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Today, XX/XX/, I received an email indicating that my credit limit has been decreased. I was provided no advanced notice nor a reason for this decision. I have never missed a payment on this card or any other account over the past 5 years. I attempted to contact Citi, and two separate representatives told me that they could not provide the information and that Id be receiving it in writing. Theyve advised me to speak with the credit bureau, XXXX in this case, to determine if theres any incorrect information and then turn around and request a reinstatement of credit limit. This severely can impact my credit score because Ive gone from 50 % utilization to near 100 % on this card due to the reduction. I am furious. Clearly you can pay your bills and still be penalized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Neither Experian or XXXX will allow me to dispute false information on my report. I have called, written and gone online. Experian has stated it will not dispute my any false address information and fraudulent charges that XXXX will not investigate. 

XXXX has the same information and is harder to reconcile issues with. They will not allow me to setup an account online to monitor my credit. They are reporting false information and fraudulent charges from XXXX and are unwilling to update the information. XXXX allowed my personal information to be left out to the public and was supposed to give free credit monitoring and never honored their responsibility to me the consumer. XXXX has false information about landlord and tenant information, and has kept it on my record although disputed and false past the XXXX allowable public record reporting Period. XXXX has also allowed fraudulent searches of my credit history by XXXX XXXX XXXX XXXX XXXXXXXX XXXX was not authorized to have access to my account and I have not business with XXXX XXXX  XXXX to support their access to my credit. Every time I try to dispute it the company does not respond to my inquiries sent by mail. 

Both experian and XXXX refuse to dispute incorrect reported information from XXXXXXXX XXXX  XXXX. I have attempted for several months to have the information reported to reflect fraudulent charges XXXX will not investigate but chose to award $ $ to a vendor that fabricated work done and did not fulfill their agreement. Both Experian, XXXX and XXXX have ensured my credit dropped over 80pts chosing to let a fraud charge stay on my credit report and not ever doing anything to validate that the charge was indeed fraud. All three institutions are working against my rights as a consumer which is to protect my financial credit information. 

XXXXXXXX XXXX, Experian and XXXX are stone walling against facts and using their power to prohibit me as a consumer to get justice against fraudulent interest charges and monies paid to a fraudulent company and giving unauthorized access to my credit information and not allowing me the consumer to monitor and dispute my credit file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MN

Complaint narrative:
I have previously corresponded with LoanCare through its website and by mail regarding the reimbursement of my XXXX second-half property taxes that I had to pay directly to XXXX XXXX because LoanCare had failed to make the payment despite there being sufficient funds in my escrow account. I am still waiting for the reimbursement despite being told on XX/XX/XXXX, that I would be getting reimbursed for the payment. Enclosed is the notification from LoanCare that I would be receiving a reimbursement ( Exhibit A ). 

I will again provide some additional background of the situation. On XX/XX/XXXX XXXX I received a past due property tax statement from XXXX XXXX ( Exhibit B ). I immediately contacted LoanCare and after several transfers and call backs, I was assured it would be paid. It was not. I received a second notice from XXXX XXXX on XX/XX/XXXX XXXX showing the amount still owed and the assessment of additional penalties ( Exhibit C ). The total was {$3100.00}. I again contacted LoanCare and received no response to my inquiries. Given the approaching deadline of XX/XX/XXXX, I paid the taxes directly ( Exhibit D ). Then after more calls and emails that were not responded to, I finally received the email saying I was going to get reimbursed. However, that has not arrived despite several emails. 

I also contacted XXXX XXXX XXXX XXXX XXXX and they confirmed that it was my payment that they used to satisfy the XXXX second-half property taxes ( Exhibit E ). LoanCare never sent a check to pay these taxes. 

This process has been very frustrating, and I would ask that you reimburse me the {$3100.00} as it is owed and I was promised. 

I have also attached the last letter I sent to Loancare

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
PENTAGON FEDERAL CR UN

Contact XXXX XXXX XXXX XXXX  VA XXXX XXXX XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF $5000 THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Social Security Administration Office had already removed from XXXX & XXXX Partial Account Number : XXXX Date Opened XX/XX/XXXX {$45000.00}. This reappeared on Experian on XX/XX/XXXX which is severely impacting my personal FICO Score and prohibiting me from obtaining necessary accounts needed to conduct business. Please instruct Experian-XXXX to Immediately remove thus said 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 2021-10-14 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: PA

Complaint narrative:
As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with XXXX XXXX XXXX on Wednesday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: PA

Complaint narrative:
As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with XXXX XXXX XXXX on Sunday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JPMCB AUTO
Contact
XXXX XXXX XXXX XXXX XXXX, TX XXXX  (XXXX) XXXX-XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF $XXXX  THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: OH

Complaint narrative:
There have been several FCRA violations FCRA 611 ( 15 U.S.C. 1681I ) You have yet to provide with information I have requested : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I had an account with chime. They closed it then send an email informing me that it was closed. I sent them all the documents they asked for but they still wont give me back my money. Everything was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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:
On XX/XX/2021 I disputed the following information with Experian, XXXX, & XXXX and they have yet to respond in the time allowed by the FCRA. XXXX, Experian, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 
Experian Negative Accounts : XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX/XXXX  XXXX # XXXX XXXX XXXX/XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX Negative Accounts XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX/XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX Negative Accounts : XXXX XXXX  XXXX # XXXX XXXX/XXXX XXXX # XXXX XXXX/XXXX  # XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: FL

Complaint narrative:
I have sent several request requesting Validation of an account on my consumer report. National Recovery Act XXXX, XXXX,XXXX. I've sent letters requesting Validation to XXXX XXXX, XXXX and XXXX. XXXX and XXXX could not validate the account pursuant to 15 usc 1692g therefore accounts were removed/deleted from XXXX and XXXX reports . National Recovery could not send validation pursuant to 15c usc 1692g so accounts are still reporting on XXXX. How is it that the accounts could not be validated via the other Repositories but yet XXXX is still reporting this false and misleading information on my consumer reports. 

XXXX Is in fact in violation of 15 use 1681b-Permissible Purposes on consumer reports. 

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX, the Consumer never gave XXXX consent to report National Recovery Agency on my consumer reports. 

In fact, since failure to comply with the validity of this account. Account needs to be XXXX XXXX  and removed from my consumer report. 


XXXX also is in violation of 15 usc 6802-OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. The sharing of my information and communication with any person other than the consumer, without consent of the consumer is a violation and infringement on consumers right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
REGIONS BANK Contact XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$11000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I talk to experian about a public record chapter XXXX on my credit file they say they got it from XXXX XXXX I talk to XXXX XXXX  XXXX they told me they dont have no records I disputed to experian like 4 times an they come back sayin verify by XXXX XXXX is a Lye I have prove am really tired of this this is causing money paying more interest for Everything hard life because of the error report false innacurate Information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX XXXX XXXX. This is a major disappointment. My rights under the Fair Credit Reporting Act ( FCRA ) have been abused. THIS COMPANY HAS BEEN SENDING ME THREATS. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
COMENITYCAP/XXXX  
Contact
XXXX XXXX XXXX XXXX, OH XXXX  HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF $XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
BMO Bank hired a servicing agency to handle all of their Mortgage and Credit loans. I have been trying since XXXX to receive my loan documents. I called on XX/XX/XXXX and spoke with XXXX he advised he would send. Did not receive ; called XX/XX/XXXX Spoke with XXXX he did not see notes, he advised he would send... I then received loan documents on XX/XX/XXXX and it was my old XXXX loan. I now hear from XXXX at BMO Bank that they do not have my loan documents. I asked how are you charging me. She could not answer. My issue is I was advised my loan would never go above {$500.00} per month from XXXX XXXX at BMO Bank ( loan was modified on XXXX ) Second issue is when you call you never have same person so literally it is like a hamster wheel. # is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: NV

Complaint narrative:
This is XXXX. This is not the first time that I am sending this complain. The last time I have processed this complain you came up with the conclusion that this is not me complaining. You closed the case number XXXX, XXXX, XXXX telling me that there is an unauthorized party third party involvement. I am telling you this is me XXXX. There is no need for me to give an authorization to anyone because this is me filing the complain, NOONE ELSE. You need to take further actions to my complain. I am tired of sending this complain and getting no results because of your wrong conclusions. Again this is me XXXX XXXX. Please reach back to me via email if you need anything to proceed with the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: TX

Complaint narrative:
Hello, I have a couple of accounts on my report that do not belong to me they are identity theft related and I have already sent letters to them and my police report and they still have not fixed the issue. One issue is a chase account on XXXX XXXX XXXX ( XXXX ) C/O ( {$61000.00} ) XX/XX/XXXX XXXX  and the other is a XXXX on Equifax XXXX XXXX ( XXXX ) C/O ( {$14000.00} ) XX/XX/XXXX XXXX. 
I also have multiple inquiries on my XXXX and XXXX report that they have not removed even after sending a letter along with my police report. XXXX inq 's XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation