vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FIRST REPUBLIC BANK
State: NY

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I spoke with XXXX XXXX at First Republic ( XXXX XXXX XXXXXXXX ) about First Republic 's Personal Line of Credit product. On both occasions, he told me the maximum credit line available to a prospective Personal Line of Credit borrower was {$350000.00}. 

Then yesterday he informed me that he was mistaken that the PLOC maximum was in fact {$100000.00} if the borrower did not intend to refinance debt which I told them I never intended to do. See correspondence below : Re : Personal Line of Credit at First Republic - quick follow up questions Inbox XXXX, XXXX XXXX Hi XXXX, I just checked in with Credit on this, being that this will be line for future utilization and not refinancing any existing debt the maximum loan request would be XXXX. I sincerely apologize for the confusion and take full responsibility for the miscommunication here. I know we have been talking about XXXX. 

As the regulator of First Republic, I would ask that you take 3 regulatory changes : 1. I would ask the CFPB to compel First Republic to more clearly communicate in their marketing diclosures and conversations with customers that their loan maximum is XXXX and only $ XXXX if they are refinancing debt. 

This is the relevant footnote from the current marketing document, " 2 Personal Line of Credit minimum is XXXX maximum is the lesser of XXXX or debt to be repaid at origination plus XXXX XXXX Line of credit can not be fully drawn at origination '' 2. First Republic told me this line of credit was unsecured. What they did not tell me was that this line of credit requires a borrower to provide a personal guarantee! Given the personal guarantee requirement, it is not in fact unsecured. The loan may be unsecured by collateral but is secured by a personal guarantee. That is at best highly misleading marketing and at worse just an outright falsehood. I would request that the XXXX require them to disclose that fact in their marketing footnotes. 

3. Nowhere in the Personal Line of Credit marketing footnotes do they disclose that borrowers who have a debt to income ratio of above 40 % will be rejected for the loan. I would request that the XXXX require them to disclose that fact in their marketing footnotes.

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 2021-04-16 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: CITIBANK, N.A.
State: FL

Complaint narrative:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

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 2021-04-16 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:
Hello, I have been trying to get these fraudulent accounts off my credit report and I reach out to the XXXX, Equifax and XXXX  regarding this and they still haven't remove these accounts from my profile. Also, there are a handful of credit inquires on my credit that i did not authorized. This is affecting me from getting my house for me and my kids. I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report and my driver license

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: CITIBANK, N.A.
State: FL

Complaint narrative:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

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 2021-04-16 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: NC

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: GA

Complaint narrative:
The 3 credit reporting agencies has an increased balance ( over {$50000.00} ) on my credit report. My mortgage company has the correct balance. Its almost impossible to speak with anyone at these credit reporting agencies. They have erroneous information on my account. I would like them to remove the extra amount. They didnt get the information from the mortgage company. The credit scores for XXXX  is XXXX points lower than the other 2. This is not fair to consumers. I need help in removing the incorrect {$5000.00} from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: GA

Complaint narrative:
The 3 credit reporting agencies has an increased balance ( over {$50000.00} ) on my credit report. My mortgage company has the correct balance. Its almost impossible to speak with anyone at these credit reporting agencies. They have erroneous information on my account. I would like them to remove the extra amount. They didnt get the information from the mortgage company. The credit scores for Experian is XXXX points lower than the other 2. This is not fair to consumers. I need help in removing the incorrect {$5000.00} from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I have been using Binance US to trade cryptocurrencies without any problem for the last 4 montths. However, I just deposited XXXX XXXX USD into my Binance US account to trade cryptocurrency a few days agoo. When I tried to trade in the spot market 2 days ago, it says " order failed : trading disabled. '' I tried at least 10 more times in the next 24 hours, it says exactly the same thing. I tried to withdraw my crypto from the Binance US account and it says withdrawal suspended due to risk management. I was never notified in any way that my Binance US account has any problem. I was never notified by any Binance US personnel that my account trading and withdrawal would be suspended. I have searched on XXXX and found that others have been having the same problems and could not resolve the problem for 3 months. I reached out to Binance US via support email 2 days ago without any replies. Subsequently, I have sent 4 more emails without any replies. I have a total of more than XXXX XXXX USD in the Binance US account and I can not do anything with it. The market has been moving significantly and I can not trade or withdraw. With a lot of assets stuck in a frozen account and market moving significantly, with no one to help. It is extremely frustrating!!! I need someone to tell me at least what is happening to my account and if there was a mistake in disabling my trading with withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Cstone Mortgage Inc
State: NV

Complaint narrative:
I got a call from XXXX XXXX at cornerstone mortgage who say we can refinance your loan she help me originally loan I have now from purchasing in nevada retire home move from California sold house there. The refinances loan started last year in XX/XX/XXXX. I send all information that the underwriter needs approved me 5 times the out the XXXX then a few approved of conditioning loan approvals then XX/XX/XXXX loan should have closed. So the underwriter decided not to close loan on retire booklets bottoms page were I highlighted out my CSA number retire booklets on page were the underwriter approved 5 to 6 times with the same info in pages the. Decided not to approve on XX/XX/XXXX and still waiting on closing just fax income proof letter from ssa that i will be getting in next year still have not heard anything from this company I like just paid off my debts with another co but I think they may charge me a fee can someone help please need help my number XXXX and now few more month it a year no one should wait this long for refinance loan I work XXXX at XXXX XXXX XXXX XXXX XXXX helping vets I hope this will never happen to anyone thanks XXXX XXXX this complaints of processing loan only and waiting to long as almost a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD bank is reporting fraudulent information on my credit report. 
I DON NOT HAVE A CREDIT CARD and I NEVER DID. 
Someone has been using my personal info for almost 8 years since 2004. 

I believe your company has violated several of my consumer rights. Specifically, you : -Failed to validate a debt at my request- FDCPA violation -Continued to report a disputed debt to the CRA- FCRA violation -Continued to attempt to collect a disputed debt- FDCPA violation -Ignored my cease and desist- FDCPA violation Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character. 
The FCRA has a penalty for filing any lawsuit or subsequent court papers that are later determined to have been filed in bad faith or for purposes of harassment. 
I can show that the CRA, information furnisher, or entity using the information willfully violated its obligations under the FCRA. 

A willful violation doesn't just mean that you have to prove that the CRA or other entity actually knew that it violated your rights. Rather, it is enough to prove that it was acting recklesslythat is, the CRA or other entity knew or should have known that it was running afoul of the FCRA. 

This letter will again request that you follow the FDCPA and provide the following : I do mean all 7, request. 

Validation of Debt Request - Proof of your right to own/collect this alleged debt. 
- Balance claimed including all fees, interest and penalties. 
- Contract bearing my ACTUAL personal signature ( Not a Computer Printout ). 
- License proof to collect debts in my state. 
- A credit agreement signed by me and you. 
- Documentation of the chain of custody of all paperwork- in short, proof that the paperwork is accurate and came from the original creditor. 
- Copy of my NYS Photo ID which is required to open this type of account. 

This letter is your notice that I dispute the above referenced debt. 
This is not my account. I do not owe this balance. I did not open this account. This account was opened without my consent or knowledge. 
I request that you verify this account with all pertinent information, including the original creditors identity principal amount, late charges, interest, and collection costs that have been assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RR Resource-Recovery
State: PA

Complaint narrative:
I was never notified by XXXX XXXX  that the debt for a chiropractor bill was not paid by my insurance before they sent it to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I was on forbearance plan from XXXX till XX/XX/XXXX. By some way even though I spoke with company rep for ending the plan it was. Prolonged till end of XX/XX/XXXX ( company mistake ) Any way I was keep paying my mortgage from XX/XX/XXXX even though it was on forbearance plan. For refinancing ( different company ) I need a letter stating that my forbearance plan ended on XX/XX/XXXX. From that time I am trying to get that letter calling the company 2-3times a week. They were telling me that need a time for the process to be ended then they will send a letter. My refinancing company keep asking me for that letter. To be short on XX/XX/XXXX ( from that time I start writing down all names ) after speaking with different customer rep i asked for supervisor > her name was XXXX ID # XXXX, who told me that there is a problem with a account and that i have un unpaid balance of XXXX XXXX XXXX for XXXX and XXXX though it was paid and she also said that to proceed with letter the account need to be curren and it will take few days and that on Tuesday XX/XX/XXXX she will call me back. So nobody call me back and on Wednesday I called back and connected with other escalated them member by name XXXX ID # XXXX who also told me that will review and will contact that department and will call me .Because nobody called me back i call Thursday and spoke with other escalation team rep XXXX member ID # XXXX. He promised me to see whats going on and call me back in an hour. After few hours I call back spoke with XXXX ID # XXXX who remembered me and said that sensed a request for that letter. Today is Friday I spoke with XXXX ID # XXXX who told me that letter can be obtained only on XXXX of XXXX - SIMPLE LETTER STATING THAT FORBEARANCE PLAN ENDED. Analyzing all this i think the company doesnt want to let me go with other refinancing company. Extremely bad experience in communicating with this mortgage company. People need to keep way from this company.

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 2021-04-16 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: WI

Complaint narrative:
The collection agency has engaged in the following practices, which violate the federal Fair Debt Collection Practices Act : Repeat calls as harassment RoboCall They call numerous times Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts. No verification of this debt. 

They are supposed to send within 5 days a written communication and they have not. Calls repeatedly throughout the day. 

Pursuant to my rights under federal debt collection laws, please cease all collection activities you have taken or are considering taking. Also, had multiple hospitalizations in the past years, so must avoid stress. I am retired and on low income. This includes high-pressure collection activity and lawsuits. I am requesting that you cease and desist communication with me, as well as my family and friends, concerning this and all other alleged debts you claim I owe.

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 2021-04-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
This is my 3rd complaint against this company and I would like a resolution!!! 
1. I never received the loan documents from this company. I need all documents including GAP documents. I need my ( original ) amortization schedule. I need the signed copies of the finalized loan documents. I have requested this information at least 5 times with no results. 
2. My overpayments are still not dated to the date of the request to apply to the principle balance. I worked in finance and I am very well aware of how the daily interest are applied. 
3.They are telling me that I can see the principle balance on the web and how my payments reflect the balance by reviewing the payoff quote. This is untrue, the payoff is exactly that a payoff if I was paying it off within 10 days. I want to be able to see my payments and the principle balance after each payment. The website does not show that breakdown and I want to see it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: KY

Complaint narrative:
I received an email from XXXX XXXX telling me to dispute a collections claim for XXXX XXXX. Ive never or opened an account with this company. The collection company is requesting {$1200.00} dollars for an unpaid bill for an account Ive never opened. I contacted duke energy and was told to start the dispute process. XXXX XXXX stated the account is closed due to non payment but did acknowledge to file that it was opened fraudulently. I will be filing a police report for this fraudulent activity as well as continuing the process to get this collection/debt off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation