vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
Around XX/XX/2021, XXXX XXXX  and its mortgage team requested a second credit report from a third-party. We were told on the second credit check my spouse had missing information and XXXX XXXX  blamed the credit reporting agencies.m and told me my spouse did not enough credit history. Of course, pretext is possible since my spouse had the better score during the pre qualification stage. The credit score in the first credit check displayed XXXX approximately for her score. 

After many conversations, XXXX XXXX  and its mortgage team reiterated the credit reporting companies are responsible for their errors. However, XXXX XXXX  and its mortgage team also stated multiple times my spouse no longer had a reportable credit score because she lacks credit history. Both statements are mutually exclusive. To muddy the waters even more, XXXX and company stated there is no regulation requiring a settled fixed loan to stay on a credit report ; additionally, XXXX was under no obligation to move foreword with closing the loan because there were no written policies addressing issues similarly related to records retention. Instead, we were denied our first loan application because my spouses credit score discrepancy ( pretext ). After our inquiry, we were discriminated against, including : ignoring our attempt to define policies for records retention related to settled debts; dragging feet when asked to provide answers ; misleading statements about having to go through the credit reporting agencies ; dishonesty and self-serving behaviors ; and retaliating against us when I alleged discrimination against women and for my request for an investigation into possible violations and/or self-serving behaviors. 

XXXX et al. has successfully misdirected the CFPB and myself to accept responsibility for self-serving behaviors and lying about or not creating records retention policies for loans. Ultimately, we are stuck with higher payments and a higher interest rate by more than XXXX points or 0.2 % ; I was forced out of the company for filing a complaint and questioning company practices ; and my personal information was shared with my local branch manager. What can I do? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I open a Citi Basic Checking account on XX/XX/XXXX, and deposit {$25.00} as init fund. Then I deposit {$10000.00} to finish their new account opening bonus. The ACH transfer is success from my XXXX  XXXX XXXX side. However, a few days later, I could not access my online Citi account. Later on XX/XX/XXXX, I got a email from Citi bank and they closed my account and they will send the funds to me by check in 60 days. This is totally unreasonable to me : 1. I legally transfer {$10000.00} to finish their account opening bonus but they closed my account 2. The speed that the return my {$10000.00} funds is way too slow, they should send the money back to me immediately. 3. I might be relocating to another city in a few month,. 4. They unlawfully hold my money and don't return it to me. I LOST MY JOB and I am very poor and I don't have money to buy food and add gasoline. So, I demand my funds back 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 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am Writing to you to express my deep concerns over the fraudulent account on my consumer report. I was shocked to learn that I was a victim of Identity Theft, which has caused a negative impact in my credit history and on my financial wellbeing. This has been hurting me as I am in the process of purchasing a home for me and my family. I am Emotionally distressed and need the fraudulent account to be remove within four days of receipt. 
Name and Account # XXXX. XXXX XXXX XXXX..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28 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: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
my current mortgage servicer Nation Star DBA Mr Cooper, reported misinformation on my credit report. they reported on my credit report that i was XXXX  days late on my mortgage payments, while they fail to accurately specify which month i was late. Ive spoken with them on the phone adnauseam, even tried to fix the issue with their dispute department to no avail. 
Nation Star have ruined my credit score, making impossible to me to acquire a mortgage at this time or get credit. any resolution in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I open a Citi Basic Checking account on XX/XX/XXXX, and deposit {$25.00} as init fund. Then I deposit {$10000.00} to finish their new account opening bonus. The XXXX transfer is success from my XXXX  XXXX XXXX side. However, a few days later, I could not access my online Citi account. Later on XX/XX/XXXX, I got a email from Citi bank and they closed my account and they will send the funds to me by check in 60 days. Until today XX/XX/XXXX, I still don't receive any of funds back.This is totally unreasonable to me : 1. I legally transfer {$10000.00} to finish their account opening bonus but they closed my account 2. The speed that the return my {$10000.00} funds is way too slow, they should send the money back to me immediately. 3. I might be relocating to another city in a few month,. 4. They unlawfully hold my money and don't return it to me. I LOST MY JOB and I am very poor and I don't have money to buy food and add gasoline. So, I demand my funds back 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 2023-05-28 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In early XXXX I noticed my credit balance on three of four accounts was unusually high. I called my cc company to dispute. So, I started borrowing on other accounts and credit cards I have to try to pay it off. Later on, I noticed another XXXX account in my online profile that was not mine or a auth user. I looked at my transactions and this person had made several payments on my account that were eventually returned to the balance of my accounts. Also, balance transfers were made by this account holder which made my account balances even higher. I then called the company and asked them to return all of the money I paid from borrowing from other accounts and credit cards.

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 2023-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: NC

Complaint narrative:
In XXXX, I purchased a security system from XXXX XXXX. After six months of having the system, I called to let them know I wasn't satisfied with the system. She told me that she would let her supervisor know and they would send someone to get their equipment. They stopped monitoring my home but nobody ever came to get the equipment. In XXXX, XXXX XXXX XXXX contacted me repeatedly about paying them {$4100.00}, I asked for a debt validation letter but I was never sent one. I contacted an attorney and XXXX XXXX stopped calling and the collection was removed from my credit profile. In XX/XX/XXXX, I was contacted by Zion Debt Holdings contacted me about the same debt via text message stating that if I were to pay them {$1200.00}, the collection would be removed from my credit profile. I have done business with this company, purchased anything from this company or had any dealings whatsoever with this company. This company should stop reporting false collections on my credit profile. If XXXX stopped monitoring my home, how could I have a debt with XXXX more than the equipment and six months of monitoring? If it's in collections, how can I be late for monthly payments

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc.
State: MI

Complaint narrative:
Hello there, Please help me understand why would there be interest charges on a written off and closed loan account. I thought we were in the process of trying to settle this written off debt from years ago. Anyway, I tried multiple times to communicate/negotiate with XXXX XXXX years ago and Credit Corp Solutions prior to court filings. But, both parties were super aggressive failed to negotiate and both were biased towards me at that time. It would be impossible to payoff this written off debt currently due to living on a fixed and limited income. I was finally approved for SS XXXX after patiently waiting for over twenty-two months. This would be a huge financial burden and detrimental to health on anyone who is barely making ends meet which can lead to a possible life threatening illness. I do not know who gives the authority to these third-party, wicked collection agencies who buy junk debts pennies on the dollar and then abuse the less fortunate, low income individuals and families! 

Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting Act. 
The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

15U.S.C 1681 section 602 A. States i have the right to privacy.

15 .U.S.C 1781 64 A section 2 : it also state consumer reporting Agency cannkt Funish a account withiut written instructions.

15 U.S. C 1681c. ( a ) ( 5 ) section 2 States : No consumer reporting agency may make any consumer report containing any of the following items of information qnynother adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 
15U.S.C 1681s-2 ( a ) ( 1 ) a person shall not funish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I was never late on this account. I have made all my payments on time. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX. 
I never had a contract with this debt collector for any debt. 
XXXX account with account # XXXX opened on XX/XX/XXXX. 
This account is incorrectly being reported as a charged off account with a balance due. 
XXXX  account with account # XXXX opened on XX/XX/XXXX. 
XXXX  Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. The current payment status of 90 Delinq is incorrect because the balance due on this account is {$0.00}. 
XXXX Credit Card with account # XXXX opened on XX/XX/XXXX I am writing to dispute the following information that appears on my Transunion report XXXX XX/XX/XXXX : XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
The current payment status of 60 Delinq is incorrect because the balance due on this account is {$0.00}. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX. 
Collection account from XXXX XXXX with account # XXXX. 


XXXX XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX. 
Collection account from XXXX XXXX XXXX with account # XXXX Collection account from XXXX, XXXX with account # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting Act. 
The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

15U.S.C 1681 section 602 A. States i have the right to privacy.

15 .U.S.C 1781 64 A section 2 : it also state consumer reporting Agency cannkt Funish a account withiut written instructions.

15 U.S. C 1681c. ( a ) ( 5 ) section 2 States : No consumer reporting agency may make any consumer report containing any of the following items of information qnynother adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 
15U.S.C 1681s-2 ( a ) ( 1 ) a person shall not funish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I was never late on this account. I have made all my payments on time. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX. 
I never had a contract with this debt collector for any debt. 
XXXX account with account # XXXX opened on XX/XX/XXXX. 
This account is incorrectly being reported as a charged off account with a balance due. 
XXXX  account with account # XXXX opened on XX/XX/XXXX. 
XXXX  Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. The current payment status of 90 Delinq is incorrect because the balance due on this account is {$0.00}. 
XXXX Credit Card with account # XXXX opened on XX/XX/XXXX I am writing to dispute the following information that appears on my XXXX report XXXX XX/XX/XXXX : XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
The current payment status of 60 Delinq is incorrect because the balance due on this account is {$0.00}. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX. 
Collection account from XXXX XXXX with account # XXXX. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX loan with account # XXXX opened on XX/XX/XXXX. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX Charge account with account # XXXX  opened on XX/XX/XXXX. 
Collection account from XXXX XXXX XXXX with account # XXXX Collection account from XXXX, XXXX with account # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
Titlemax agents did not present me with the entire contract on XX/XX/XXXX. The agent hid pages on a tablet on the wall while portions of the contract were concealed on a desktop computer that was only visible to the agent. There was no mutual understanding or a meeting of the minds due to the unlicensed agent employee of Titlemax hid while leading me to believe that he displayed all the pages of the contract on the tablet that was visible to me. Which he did not. In addition to other pages, I was never presented the signature page of the contract along with other pages. The original copy I was given after all business had been conducted and I was leaving the location I asked for a copy of the contract. The agent printed a copy and gave it to me. My original contract provided by XXXX XXXX, I learned later was not signed by me or anyone else on XX/XX/2022. 

But somehow title Max is presenting a signed agreement that I can only assume is a forged signature electronically copied from another page and posted on the signature line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my XXXX consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with CCB/XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with CCBXXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
My complaint is that it was not my debt and XXXX confirmed it, then deleted it off my report. I have suffered mentally as well as financially. I have been denied housing which makes me homeless. I want this account remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Applied for Bank of America XXXX  XXXX card for a promotion of XXXX miles with {$2000.00} in purchases. Saved the screenshots and confirmation emails from applying. Now Bank of America refuses to budge and says my promotion was for XXXX miles with {$3000.00} in purchases ( something I NEVER AGREED TO and HAVE NO RECORD OF ). They changed the promotion terms on their end AFTER I applied and I never agreed to those terms. I have the agreed to terms saved and recorded. They refuse to give me the XXXX bonus miles I am due after spending the {$2000.00} in purchases on my first billing cycle for said credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
These inquiries are too old to be on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief