vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I received a call from a XXXX XXXX stating that he works in the XXXX XXXX branch and I need to respond to court documents that were served to me today. I never received the papers so I called them to see what this was about. The person answered XXXX XXXX XXXX, asked for my case # then transferred me to XXXX who asked if this was me or my lawyer? 

He was extremely rude and told me that I owed Citibank $ XXXX. I told him that Ive never had a Citibank account and asked when it was opened. He told me he has no time for this and to expect a summons later today then hung up. I called him back asking him to be professional and inform me about the case then he recited my SS #, told me to expect a summons later today and to pay my bills. I asked him if this was a scam and he once again hung up. No server has been at my property with any court papers! 
Caller : XXXX XXXX XXXX XXXX Call type : Debt collector I found out that this person attempted the same scam with another person by doing an online search. Here is the weblink XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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:
I JUST DISCOVERED ACCOUNTS REPORTING TO MY CONSUMER REPORT THAT DO NOT BELONG TO ME SO I DID MY RESEARCH ON THE FTC WEBSITE TO PREPARE AND FILE MY COMPLIANT AND CLEAR UP THIS MESS.

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 2023-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I recently purchased a used car from a dealership and obtained financing through Wells Fargo. In order to make a principle payment on the loan I have to call them and not use the website. Then, they take the money but wait XXXX hours before applying it towards the principle during which they are still accruing interest on the original principle amount. I have also had to call back multiple times because they didn't actually put the money towards the principle. They instead put it towards future loan payments even though they said that they saw on my account that it was supposed to be applied to the principle. Wells Fargo is doing this so that they can continue to collect interest on the full principle amount.

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 2023-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I applied online for a Well Fargo credit card. I read all the fine print on the application and agreed to the hard credit check and proceeded with the application. I was emailed back that I was declined, reference number XXXX. When I contacted the phone number to hear why I was declined it stated, " not enough history from a previous Wells Fargo card ''. I am currently a Wells Fargo card holder and do not use that card for anything other than a balance transfer I did in XXXX XXXX, thus the low history ''. No where was it stated that previous card history would affect my application process or I would not have applied. I have very good credit, nearly XXXX credit score and have never been rejected. I talked with XXXX XXXX, executive office case # XXXX. Originally he offered to erase the hard credit hit as the easies solution on a recorded line. Another call from him after he spoke with underwriters he retracted this and said the company would do nothing for me. This is not right and should be stated somewhere in their policy to customers before they click to run the credit application. At this point I have cut ties with them and already opened another card that doesn't use this deceitful tactic to its customers. I would like at the very least, what was promised originally, the hard hit removed as it was under false representation from the 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 2023-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: FL

Complaint narrative:
My primary bank is in XXXX  ( direct deposit of XXXX  ). For over a XXXX XXXX XXXX XXXX I have been transferring money to my local bank, Ameris Bank to pay my mortgage here in XXXX. 

Approximately 6 months ago Ameris up and decided they couldnt trust our bank in XXXX  and stopped accepting transfers. Additionally Ameris put our account on restriction where they would only accept certified payments. Forcing us to pay via mailing certified checks to Ameris bank. Ameris went on to lose several of our certified checks. My XXXX XXXX dropped XXXX points because Ameris reported we had not paid several of our mortgage payments. Ameris refused to talk with me about the problem and demanded I send new checks for the missing months. 

I filled a complaint with the XXXX  and suddenly ameris found the missing checks and returned my score back to what it had been. Although I recently learned my XXXX  XXXX XXXX still reflects all the missed payments. 
Now, less than 6 months after the first fiasco Ameris has again reported I am missing mortgage payments even though my online account with Ameris says Im current. My XXXX XXXX got updated XXXX days ago saying XXXX over 60 days late on my XXXX payment even though I have proof of payment and my mobile app says Ive paid them. 

I found out Ameris has been sending my personal info to my old address in XXXX. I attempted to change my address online and over the phone but they only allow the change via mail. I have mailed the form several times but somehow it seems to disappear, just like my checks. 

Earlier today my wife got a call saying Ameris received an envelope with XXXX and XXXX payments enclosed. ( Which we mailed in XXXX to miss any late fees for XXXX as we were on vacation. ) They refused to deposite XXXX check and claimed it need to be mailed in its own envelope. They are demanding a new check, even though its a cashiers check and that money is already out of my account. 

Im hoping CFPB can help me restore my XXXX XXXX, get my mailing address changed and get online banking privileges restored so these problems will stop happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
I bought this car, XXXX XXXX XXXX, in XXXX. I am so XXXX down ; between XXXX XXXX XXXX XXXX. I tried to surrender the car during XXXX due to no income. Credit Acceptance refused to come get it. Interest was still accruing. Fast forward a couple of years, I make minimum payments because after COVID, Credit acceptance decided to repo the car, I paid to get it back and then they arranged a payment plan to catch up on the loan that was no way affordable, they knew that, but I had to have a car. My past due balance is now over {$11000.00} and shows balance owed {$22000.00}!!!!. They are completely ruthless. How are people supposed to live when their car payment and interest eats their entire income? Yea, I got behind, but with the interest rate and fees, there is no way I can catch up

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 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In XXXX, I opened a checking account with Citibank is response to a promotion they had giving {$1000.00} to open a checking account and deposit {$75000.00} in the account After speaking to a rep on the phone they confirmed the promotion, stated my edibility and let me know to expect an account opening package in the mail. I received this account opening package notifying me my account number was to be XXXX. 

On XX/XX/22, my girlfriend initiated an online bill pay from her account at XXXX to fund the initial deposit. The amount she transferred to me was {$76000.00} For some reason, Citibank accepted these funds then froze my account and removed access. They refuse to return the funds to me or my girlfriend. They've essentially stolen this money We have tried to get them to return the funds. They will not At this point they owe me the return of the intial deposit along with the payment for the {$1000.00} promo ( which we met all the terms for and they've had the money so long we met the amount of time the funds needed to be on deposit to qualify ). We are also asking for interest paid from the date of deposit along with reimbursement for th notary fee we had to pay to write a letter they requested in order for them to return the funds Additionally, we are asking the CFPB to investigate and hold Citibank to account for what must be several violations of the law. A bank can not be allowed to attempt to steal money and falsely advertise promotions in the way Citi has done here. 

If I can be of any assistance in the return of our funds, the payment of interest and promotions and/or helping to hold Citibank in violation of any and all laws, state or Federal- please contact me at XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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:
I regards to my previous complaint # XXXX. 

I am in receipt of a written correspondence from Equifax stating they were unable to locate a consumer profile in their database. Equifax then continued to demand private information from me to allegedly verify my identity. This is quite a contradicting demand and response. According to Equifax they have no consumer profile in their database for me so how is it Equifax demanding information to verify something they claim to not posses? How will Equifax verify this? If I provide my private information what database will Equifax match it against to verify my identity? Furthormore, Equifax have ignored my demands I have made in my previous complaint # XXXX. 

As a private XXXX XXXX I am entitled to reserve all my rights pursuant to the 1974 Privacy Act. ( The Privacy Act is a federal law in the United States that regulates the collection, maintenance, use, and dissemination of personal information by government agencies. It was passed in 1974 and applies to all executive branch agencies of the federal government. The Privacy Act places restrictions on the collection, use, and dissemination of personal information, including the requirement that individuals be notified of the information collected about them and given the opportunity to correct any errors. It also gives individuals the right to access their personal information held by the government and to seek redress if their information is mishandled ). 

Now that I have made that clear that I have not given any consent for Equifax to infringe, furnish or sell my private information I must highlight the fact that Equifax is has received Multiple documentation proving my identity. 

I have attached substantial evidence that Equifax has received these documentations and also My proof that my information has been in Equifax 's Data Breach. 

All this is UNAUTHORIZED USE OF MY PRIVATE INFORMATION BY EQUIFAX. 

THIS IS MY LAST ATTEMPT TO RESOLVE THIS MATTER IN GOOD FAITH. 
IF EQUIFAX DOES NOT RESOLVE THIS MATTER AT ONCE I HAVE NO CHOICE BUT TO DO A FIOA, AND GET THE IRS, DOJ, FBI, SSA, SEC, XXXX, INVOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX bank account that said they are trying to be Opend XXXX with wells Fargo in which I never went to try and do and XXXX with XXXX that says I'm late on payment but never done anything with XXXX for payments

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 2023-01-13 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: FL

Complaint narrative:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
I was willingly and knowingly taken advantage of as the other party I was involved in a contract with violated several Federal laws.

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 2023-01-13 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:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-13 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: CA

Complaint narrative:
I JUST DISCOVERED ACCOUNTS REPORTING TO MY CONSUMER REPORT THAT DO NOT BELONG TO ME SO I DID MY RESEARCH ON THE FTC WEBSITE TO PREPARE AND FILE MY COMPLIANT AND CLEAR UP THIS MESS.

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 2023-01-13 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I JUST DISCOVERED ACCOUNTS REPORTING TO MY CONSUMER REPORT THAT DO NOT BELONG TO ME SO I DID MY RESEARCH ON THE FTC WEBSITE TO PREPARE AND FILE MY COMPLIANT AND CLEAR UP THIS MESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MT

Complaint narrative:
On XX/XX/XXXX I emailed Firstmark customer service and asked them to define the " credit worthy '' conditions to have a cosigner removed from my private student loans. Firstmark who services 5 of my private student loans formally through XXXX XXXX responded by email stating " We regret that we are unable to provide that information. You may complete and return a cosigner release application and it will be reviewed and an approval or denial letter will be sent. '' By not providing consumers with the parameters with which Firstmark determines a person credit worthy leaves the door wide open for Firstmark to deny every application to remove a cosigner. They can literally say that a person with a XXXX XXXX XXXX does not meet their criteria in order to keep as many people on the hook for this type of debt. This needs to be addressed immediately. It's horrible enough that student loans are subject to unfair bankruptcy standards, but to allow loan servicers to withhold information to release a cosigner should be considered criminal. Please help me resolve this issue. 

*Side note : All payments to Firstmark have been made in full and on time since the repayment period started in XXXX The cosigners are my elderly parents in their XXXX XXXX XXXX XXXX  's respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I closed this account on XX/XX/2022. Once I closed the account I started getting charged account maintenance fees of {$12.00} per month. Its almost like a penalization for canceling and a way for the company to continue to get more money from consumers because they wont be spending any more money. Its ridiculous that credit card companies are allowed to do this. On top of this, since its a fee they are allowed to put this amount on top of the minimum payment amount. So my minimum payment amount has increased, making it hard for me to pay it monthly. Because of that, Ive been charged late fees for several months which also get added on top of my minimum payment. Making it even harder to pay my monthly minimum. I called Fortiva and they refused to reverse my late fees because I closed my account.

This isnt a consumer friendly card and they want to milk the consumer anyway they can.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: CA

Complaint narrative:
XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXAccount # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXXAccount # XXXX, XXXXXXXX XXXX XXXXXXXX XXXXAccount # XXXX, XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: CA

Complaint narrative:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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