vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX all of my credit cards with Citibank were closed without notice. 
I have a 100 % on-time payment history with CitiBank. 
I have no negative information on my credit report, my balances are paid every month, and I have a large amount of unutilized credit. 
Customer Service stated my accounts were closed because I make too many PAYMENTS on my account. 
That is ridiculous, I pay off my accounts each month to keep my credit utilization low and my credit score high. I have been additionally diligent with payments as I recently refinanced my mortgage. I am being penalized because I abide by the terms of my account and pay them off? That is discriminatory and a violation of the Equal Credit Opportunity Act. I have been a Citibank credit card, banking, and mortgage customer for over 30 years - I can not believe Citibank would treat me this way in the middle the current global pandemic crisis.

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 2021-01-15 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: CA

Complaint narrative:
I called and filed a dispute on numerous occasions with transunion, XXXX and XXXX to have inquiries that I did not approved removed, and accounts that are reporting inaccurate on my credit profile and they have refused to delete these items. 

XXXX Last dispute was done on XX/XX/2020, amount is said to be {$420.00} dollars, the actions taken was a dispute letter was sent to the Bureaus stating that the date of Last activity, last report, and date opened was all reporting inaccurate which is a violation of the Fair Credit Reporting Act. They failed to investigate and remove the inaccuracies. 

Appliance Warehouse- Last dispute was done on XX/XX/2020, amount is said to be {$1200.00} dollars, the actions taken was a dispute letter was sent to the Bureaus stating that the date of last activity, last payment, and the date of the date opened is listed inaccurately, Also the monthly payment, credit limit, and terms are missing from the report. I ask them to delete it as they are reporting inaccurate information and they failed to do so. 

XXXX XXXX XXXX Last dispute was done on XX/XX/2020, amount is said to be {$840.00} dollars, he actions taken was a dispute letter was sent to the Bureaus stating that the monthly payment, terms, credit limit, past due, and the date of last payment was all missing on this account. Also, the fact that medical bills should not be reporting as it is viloation of my privacy. I have disputed this account multiple times and they have failed to remove it from my report. 

Inquires that need to be removed as I did not give any permission. 

XXXX-XXXX XXXX XXXX ( XX/XX/2020 ) and XXXX XXXX XXXX XXXX ( XX/XX/2020 ) TransunionXXXX XXXX XXXX ( XX/XX/2020 ) and XXXX XXXX XXXX XXXX ( XX/XX/2020 ), XXXX ( XX/XX/2020 ), XXXX ( XX/XX/2020 ) and XXXX/XXXX ( XX/XX/2020 ) XXXX US SM BUS ADMIN ODA- ( XX/XX/2020 and XX/XX/2020 )

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 2021-01-15 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: AL

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: NC

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
We absolutely are finished with PNC. After 22 years of having accounts and mortgages with them, we are pulling our accounts, including our mothers investment accounts. We wanted to refinance our loan after we received paperwork from PNC stating rates have dropped. We were taking some cash out as well since we had plenty of equity. 10 times what we needed. That was XXXX. Since then, weve been shuffled off to 16 different loan advisors. No one calls us back. When we call and complain, we get another loan advisor and need to start over. They are needing a piece of paper that they have, but say is not sufficient, I actually called and retained a lawyer to get what they needed. One person says its not sufficient the other says it is. I get a call today looking for paperwork but asking for proof residence for someone else. They dont even know what they are doing anymore. I talked to XXXX XXXX who said he was a supervisor but spoke to me like he was reading off a script. He couldnt. Or explain why what I had was not sufficient or anything else. When I asked to speak to his supervisor, he told me no, that there was no other person I needed to speak to. He was rude. I told him about all our issues. It once did he apologize until I called him out on his unprofessional attitude and the fact he didnt apologize. Finally he said Im sorry you feel that way. Please listen to all themtraining tapes. We have paid $ $ out of our pockets for the construction we were having done in XXXX because of all these issues. Credit score of XXXX and we hold a mortgage with you, but it takes 6 months to do your job. 

I have all names, times and dates of contact with company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
We paid off our mortgage on XXXX XX/XX/XXXX. We paid it off 20+ years early to get out from under them. We have yet ( XXXX XX/XX/XXXX ) for Lakeview Loan Servicing , LLC to send the lien release documents to our county to process the title. They are essentially holding our house hostage. I have called numerous times to try to resolve this. I have been hung up on, dropped from calls, been talked down to, endured literally hours on hold, never talked to the same person, had the issue escalated and supposedly expedited. I was never rude, but my frustration with the process was evident. I even apologized for my frustration! I have NEVER had this kind of difficulty with any company, including Medicare! All we want is for them to send the lien release documents to the county. Our county has NEVER received anything from XXXX. I am considering legal action, but to pay extra for something the company should be doing is outrageous! They were fine so long as we owed them money, but the minute the loa was paid off, it has been a different story.

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 2021-01-15 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:
In XX/XX/XXXX, I pulled a copy of my credit file Reference # XXXX in which I became aware of several unauthorized inquiries. I immediately contacted XXXX, Equifax and XXXX advising them that I was a victim of fraud. I submitted an initial dispute letter, copy of the police report, victim notice from the Department of Justice and my ID/social in XXXX. Equifax did not acknowledge my request. I resubmitted the information again in XX/XX/XXXX. My second request was also ignored. I proceeded to call Equifax on XX/XX/XXXX in attempts to resolve this matter. I was told by XXXX ID XXXX that the documents were not in their system, although I had sent them at the same time as my dispute request that was acknowledged. I asked for a supervisor and XXXX placed me on hold and never came back. I called again on XX/XX/XXXX and spoke with XXXX ID XXXX who refused to assist me as well. I requested to speak with a Supervisor on 3 occasions and was told " There was nothing anyone could do for me '' and he refused to allow me to speak to a supervisor. He placed me on hold and indicated his supervisor refused to speak with me. He later hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I was approved for the COVID forbearance by Dovenmuehle in XXXX of XXXX for payments of XX/XX/XXXX to XX/XX/XXXX. The first repayment was supposed to be XX/XX/XXXX with the months of forbearance tacked on to the end of the loan. XXXX came around and I had to call to make a payment. My account had not been updated to reflect my new payments so customer service decided it was best I make the usual payments I was making before the forbearance. I repeated this process from then until now, XX/XX/XXXX. The first 3 months when I called to pay I inquired about the end of my forbearance and I was told each time that underwriting would send me papers with options to sign and send back. I still have yet to receive those papers. Fast forward to today, XX/XX/XXXX, I called to make my same payment and I am unable to get through to anybody to make that payment. I logged on to my online account and I am unable to make any kind of payment. The company, Dovenmuehle, has been keeping me in the dark for a while now and I am not sure what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2021-01-15 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: U.S. BANCORP
State: TX

Complaint narrative:
SINCE XX/XX/2020 I REQUESTED A DEFERRMENT FOR MY US BANK PERSONAL AND BUSINESS CREDIT CARD, THEY GAVE ME THE DEFERRMENTS THRU THE COVID 19 CARES ACT DUE TO COVID 19. THEY PUT A 30 DAYS LATE ON MY PERSONAL CREDIT REPORT. I ASK THEM WHY DID THEY PUT A LATE PAYMENT ON MY REPORT, THE LADY YOU SUPPOSE TO GET LATE PAYMENTS WHEN YOU DEFERRED THRU THE CARES ACT. I TOLD HER THAT THE CARES ACT PROTECT YOU FROM EVEN GETTING A LATE PAYMENT THATS WHY ITS CALLED A DEFERRMENT AND IT IS ALSO THE LAW THRU THE CARES ACT THAT IF YOU REQUEST FOR THE DEFERRMENTS AND THEY WERE GRANTED THEN NO LATE PAYMENTS WILL OCCURR ON YOUR CREDIT REPORT WHILE YOU ARE IN DEFERRMENT. THE LADY SAID I DONT KNOW WHAT YOU TALKING ABOUT AND THATS NOT TRUE AND THATS NOT THE LAW AND IS THERE ANYTHING ELSE SHE CAN HELP ME WITH. IM NOT EVEN SURE IF THEY PUT LATE PAYMENTS ON MY BUSINESS CREDIT CARD THRU XXXX BUSINESS AND XXXX BUSINESS AND XXXX, XXXX AND XXXX DOES NOT 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 2021-01-15 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: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Please see below documents to show when Cashapp aka Square took my money and evidence it was supposed to be refunded but was never refunded. I have contact support several times and even put a complaint in with the XXXX but was told by XXXX that I need to file a complaint with your company for enforcement of my refund. I have attached images of when the transaction occurred and the message stating when it will be refunded but was not. I also have a quarter bank statement that shows the funds not being credit but debited from my bank account. The debit used to make the transaction has been closed but my Cashapp account is very active the funds should be been returned to my Cashapp account or bank account and there have received the funds. 2 different transactions done in the same day but cant seem to get the issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Dovenmuehle customer service is unable to resolve problems that arise for their consumers. 
Over the last year, I have had to call multiple times for issues with tax forms, escrow accounts, and taxes. The agent who answers is usually unable to help. When you ask for, " manager, '' they will transfer you to another, " customer service specialist, '' which means another agent usually just sitting next to the first person I spoke to. Not actually someone with answers or with authority to make changes or review acocunts. My tax form was inaccurate. I spent upwards of 20 hours on the phone with them and it was never resolved. 
My tax bill for XXXX was not paid from the escrow. I have called many times and I was told it was paid [ see the transaction record below that does not show XXXX taxes paid ). When I ask them to look for it in the transactions, I have been hung up on. I also was told, " we are sending the payment, '' and then hung up on. During these interactions, I am calm and kind but I still hung up on ( even after 4 transfers and hours on the phone ). On XX/XX/2020 it was recommended to me to email with tax bill which I did [ XXXX ]. I have emailed 5 times without response including messages to these secure messages online without resolution. I also found an email online for XXXX which I sent. 
It has been over a month without a response. 
You can not communicate directly with the escrow or tax departments. Supposedly they can not reach them except for faxes. Regarding my tax form, I was told my case was expedited and that someone from the legal department would call me in 24-48 hours. I did not get any communication. 
Their chat function is rarely available. 
The only thing I can do is call, wait on hold, explain the problem either to be transferred to another, " customer service agent, '' who will later transfer me again to another " customer service agent, '' or hang up on me. 
I don't know their legal obligations to their customer but their customer service practices are by far the worst I've experienced at any company. Ever. They outright lie. And they don't care, because who am I to them? I am a voice on the phone who is easily dealt with by hanging up when they don't have the answers. It is clear that they do not value helping their customers quickly and don't assist them to painlessly resolve problems that arise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I HAVE ASK TO HAVE THESE ACCOUNTS REMOVE BECAUSE I NEVER APPLIED FOR THEM.

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