vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX I accepted the promotional offer from Citicard to transfer balances to my card for an XXXX  of XXXX XXXX  that " applies to each transferred balance made under this offer until XX/XX/XXXX. '' I am a long time reliable customer with a respectable history with Citicard. 
I received a confirmation of the offer dated XX/XX/XXXX. Now that I accepted their offer, this document states " This rate doesn't modify the current rates of any existing balances you may have on your account. '' My account reflects a XXXX XXXX XXXX, not a XXXX XXXX XXXX as promised. I accepted their offer in good faith. 
I contacted Citicard and was not able to communicate with the customer representative due to his obvious use of XXXX as a second language. We tried and finally I requested to speak with a supervisor. He resisted and then said he was putting the call on hold. The call was disconnected. 
I believe I am a victim of a bait and switch tactic from Citicard or a grievous error. I am asking for my account to be adjusted to correctly reflect the XXXX of XXXX XXXX as offered. I am not a novice or of low intelligence and I am insulted to be disrespected in this manner.

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 2022-02-07 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: TX

Complaint narrative:
As stated previously I have been a victim of Identity theft. All removed said account and blocked it from my report except for Experian who deleted it on XX/XX/XXXX, then reported it back on XX/XX/XXXX. Stating that XXXX XXXX XXXX # XXXX requested that it to stay on my report. I have requested to receive the verification of proof and Experian was not able to provide. This account was deemed verified without stating the method of verification. It only stated that the account was verified. This is impossible to be validated because the account was fraudulently opened. Section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. Attached is a police report made around the time of the account was notice 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 2022-02-07 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: CA

Complaint narrative:
I upgraded my XXXX  through the XXXX XXXX XXXX offered by XXXX XXXX  a few times over the past year. It is my experience that opening a new XXXX XXXX XXXX loan would result in a soft credit inquiry, which provides XXXX XXXX  access to my credit report information, but such inquiry is not visible to any other creditors, and would not have any impact on my credit score. I have also been advised by a representative of XXXX XXXX  that when upgrading an XXXX already part of the XXXX XXXX XXXX, a credit check is not performed at all ( no soft or hard credit inquiries ) as it is considered a renewal of the loan based on credit already extended using previously acquired credit information. Unfortunately, during the upgrades on XX/XX/XXXX and XX/XX/XXXX, a hard inquiry was placed on my Equifax credit report, causing an impact to my credit score. Im requesting such inquiries be removed from my Equifax credit report ( and other credit bureaus if any were affected. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022, I applied for a private party auto loan with XXXX XXXX XXXXBB & T dba Lightstream ) for {$15000.00}. I submitted my personal credit profile ( including SSN ), info about my income, etc. so that they can evaluate me for a used auto loan. 

They denied me although my credit is strong, I have no negatives, no collections and very strong income ( $ XXXX ). 

When I went to ask them why they denied me, they said that it is an unsecured loan ( meaning higher risk ) and that they couldn't approve me for the unsecured loan. 

If I wanted an unsecured personal loan, we live in the U.S.A. ( there's something for EVERYONE! ), I would have made that query. 

I have XXXX too. 

My query was for a SECURED private party used auto loan. Why does their website call it an auto loan when it's actually unsecured? 

They say it's unsecured so they can view things as higher risk ( and justify their terrible decisions ), but that's absolutely misleading. 

I would have never submitted any information to these people if I knew their tricks & deception. 

After speaking with their 'manager ' XXXX XXXX XXXX I was eventually hung up on. They don't provide their last names, I had to ask several times to be transferred to a manager. 

Terrible customer service, liars, misleading, worthless company that doesn't help anyone. They get a bunch of personal information from people only to deny them. 

They've hurt my credit with the denial. I have strong income, ( had ) strong credit until they got a hold of my information and made it go down almost 100 points overnight and the car would have secured the loan, making it lower risk, had they been promoting themselves the proper way. 

I would love to know their real purpose for existing. Probably stealing people 's identities with all the personal data they collect, just to deny them. 

Absolute waste of time & energy.

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 2022-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX {$210.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: MI

Complaint narrative:
I have been a victim of identity theft. Please review the FTC attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Westlake has violated by invading privacy on alleged obligation XX/XX/22 left a letter for occupants not verifying abode, violated telephone consumer protection act, threatening and abusive tactics against consumer, calling XXXX or 4 times DAILY.

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 2022-02-07 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: MI

Complaint narrative:
I sent this credit bureau two rounds of dispute letters asking that they fully verify five collection accounts listed on my credit report from them as I believe that those accounts could possibly have illegal collection fees. In those dispute letters I asked that the debt be verified by providing original documents to support the claim. Each time I disputed, they " verified '' the accounts without sending original documents to fully validate the accounts.

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 2022-02-07 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: MI

Complaint narrative:
I sent this credit bureau XXXX rounds of dispute letters asking that they fully verify XXXX collection accounts listed on my credit report from them as I believe that those accounts could possibly have illegal collection fees. In those dispute letters I asked that the debt be verified by providing original documents to support the claim. Each time I disputed, they " verified '' the accounts without sending original documents to fully validate the accounts.

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 2022-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been trying to contact my mortgage company for hours with no luck. I cant even get on hold for the next representative. I need to contact the insurance dept. I have an insurance claim pending and need to send the the check to cosign so i can pay the vendors. After jumping through numerous prompts all i get is their voice mail system and you need an ext or a person 's name to connect, which i have neither. I cant afford to pay to the repairs myself and need to speak with someone who can give me instructions on how to get the check signed by them or for them to waive the fact they need to cosign in which case i just need a email from them stating so

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 2022-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Representatives from XXXX, XXXX XXXX XXXX ( XXXX ) have repeatedly called my phone. When I called them back, agents ( XXXX XXXX and XXXX XXXX ) repeatedly hung up on me when I attempted to get verification of the debt owed and talked over me when I sought information about the debt, and only wanted to collect payment information without proper debt validation/verification. Each agent hung up on me when asked about debt verification and/or to connect me to their legal department or a supervisor. XXXX, XXXX XXXX XXXX ' agents stated that a chapter XXXX discharged debt was STILL owed even after I informed them that the debt was discharged in federal bankruptcy court in XX/XX/XXXX. They then threatened me with a lawsuit if I attempted to collect any further information from them and threatened that without agreeing to pay for the debt today ( on XX/XX/XXXX ) they would send over the false documents of a debt owed to XXXX Bank for " over draft fees '' in the amount of {$940.00} to the federal credit bureaus. I provided my attorney 's contact information to agent XXXX XXXX who was extremely rude & nasty. This collection agency harraseed me and verbally threatened to ruin my tediously rebuilt credit over a debt discharged in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022, I suffered a loss to my Bank of America Account from my unemployment  insurance paid monies from the Employment Development of the State of California for the amount of {$3500.00}. A fraudulent account was created with XXXX XXXX with my identity and therefore a fraudulent withdrawal transfer was made to my account to a false created account with XXXX XXXX  Online banking. I have filed a police report with the XXXX XXXX XXXX Department, in XXXX, California. I have reported both the Employment Development Department Fraud division by letter and by fax, and also have filed claims and fraud reports with the Bank of America, which gave me the information that a transfer was made to XXXX Bank on XX/XX/2022 for the amount of {$3000.00} dollars from my bank of America debit card account. I have contacted XXXX Bank online banking through email to advise them that I have not opened an account with them at all. And requested them to close all accounts as they are fraudulent but have not received any updates or neither have I been in contact with anyone from XXXX Bank regarding this awful situation. I have faxed the EDD but have not received any updates on the claim. The bank of America has sent me a letter telling me that they decided that my claim is resolved and therefore they will not pay me for my loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2022, I noted a charge on my XXXX personal account in the amount of {$0.00} and I challenged it with XXXX and demanded a complete accounting as to how " XXXX XXXX XXXX XXXXXXXX '' got there. In my mind I see this XXXX cent charge as an entry method to pave the way to take money off my account from that unknown source apparently coming from XXXX. All Citi did in response was remove it from my history and state it was resolved I fortunately printed a copy of that charge before they removed it. Smells like old mackeral sitting the sun ... ... ... .....

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 2022-02-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I have been battling with Flagship for over 2 years regarding this debt. I have spent several hours, money, resources on this, I even started learning about my consumer rights and found out how much this company has violated my consumer rights. Flagship is fraudulently reporting negative information about me and has stopped me from being able to get credit extended. I have filed complaints before and have been closed without being resolved. I sent them a cease and desist ALL COMMUNICATION IN ANY FORM in XX/XX/2021 and to this date they are still reporting negative information which is a form of communication. Please assist me with this to be resolved IMMEDIATELY

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 2022-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
On XX/XX/2022 I received an alert that my credit was pulled. I had no Idea on who did this because I currently have a morgage loan with loan depot and have not applied for any other loan. I contacted XXXX who provided the report and they advise me that Loan Depot requested this report and had my authorization. I did not provide this authorization and they falsly requested this on my behalf. I need this resolved by this creditor but have not been able to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data and credit information from a defaulted note purchased from XXXX XXXX AT XXXX XXXX XXXX ON defaulted notes is a violation of UCC 9-110 and UCC 2- 401. As a private natural person consumer I have been violated. They use the Credit Reporting Agency 's to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with NATIONAL CREDIT SYSTEM. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). NATIONAL CREDIT SYSTEM can not and will not ever produce a contract between me XXXX XXXX, XXXX and NATIONAL CREDIT SYSTEM because that contract does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: NY

Complaint narrative:
I've tried multiple times to have an account on my credit report that doesn't belong to me deleted. My request was ignored despite the fact that I had provided all necessary details. The account will no longer be investigated, I was told. Due to identity fraud, the account is no longer shown on other reports and has been removed.

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 2022-02-07 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: NY

Complaint narrative:
A dispute with this company was created on XX/XX/XXXX and XX/XX/XXXX in which my second noticed was received on XX/XX/XXXX via certified mail. As of todays date, XX/XX/XXXX, I have yet to receive a response from this company in regards to the validity of this account. The FCRA allows for such company 30 days to response, I have yet to receive a response.

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 2022-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: WI

Complaint narrative:
Beginning on XX/XX/2022, " Credence Rsrc '' began to make repeated calls to my cellular number, which have continued to the current date. I have not answered a single one of these calls, but due to their persistence decided to research the name online to find out it is a collections agency. I am in possession of no debts, and have no reason for such a business to be contacting me. I do not know for what proported debts they want to contact me over, but I know that whatever claims they are working off of must be false.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 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: CA

Complaint narrative:
This is my second time reaching in regard to XXXX. EXPERIAN, AND XXXX! THEY CONTINUE TO REPORT FRAUD AND INACCURACIES ON MY CREDIT REPORTS!! I'VE PROVIDED AN FTC REPORT, POLICE REPORT, AND OTHER DOCUMENTS PROVING THE UNMERITED ACCOUNTS AND INQUIRIES THAT DON'T BELONG TO ME. IT TROUBLES ME THAT THESE BUREAUS CONTINUE TO DISREGARD THE EVIDENCE AND REPORT THE FRAUDULENT ACCOUNTS WITHOUT PROVIDING ORIGINAL CONTRACTS WITH MY WET SIGNATURE. PLEASE HOLD THESE COMPANIES ACCOUNTABLE NOW!

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