vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am submitting this complaint on the basis of the unresolved matter. Citibanks continued abusive efforts to collect on fraudulent debt continues. I first notified Citibank  in XXXX of XXXX  that I was a victim of identity theft. Citibank allowed numerous loans/ lines of credit and Credit Cards to be applied for and opened online without my consent. I have a fraud alert, which is an extended fraud alert on my credit files for a reason. Citibank ignored this. I have now placed a security freeze on my credit files, as of two days ago Citibank attempted to Hard Inquiry my credit report from XXXX  which is a screenshot I will attach. This was blocked, and unauthorized. I have not applied for any credit with Citibank NA, Nor Citicards. CitiBank confirmed they sent fraudulent cards to XXXX XXXX XXXX XXXX XXXX TX XXXX. This address is not on my credit report, and is listed as fraud. Therefore I never got any cards. Additionally Citibank confirmed they opened fraudulent checking and savings accounts which I never authorized. I never sent my ID to Citibank. I do not and have not authorized Citibank to open any line of credit, installment loan or credit card in my name. These are all fraudulent and unauthorized. The email addresses XXXX, and XXXX were found on the dark web being sold and bought by identity thieves these are fraudulent, not authorized, these have been reported to the authorities. Yet Citibank continues to cause further identity damage, refuses to investigate the crime, has not resolved this matter and continues to break consumer 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 2020-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Eagle Home Mortgage, LLC
State: NY

Complaint narrative:
I was asked by eagle home mortgage/ XXXX  XXXX XXXX  , to log on a third party website. This website would automatically log on to my XXXX XXXX account in order for them to Monitor my statement. No only does this leave my account open to security breaches but it is an intrusion of privacy. 

Second eagle home mortgage requested documents from me that were not in my name. They requested a drivers license and or a deed of a family member. When I was unable to provide documents that are not in my name. I was not given a mortgage and never given a denial letter. This would ensure I would not be able to get my down payment back from the related home builder. This mortgage and home builder are related companies and the mortgage co is with holding the letter to be fit the sister builder ( 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 2020-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On SAT Eve- XX/XX/20 at about XXXX ; XXXX ; I MsXXXX XXXX entered into an Auto Loan finance   from CAPITAL ONE AUTO FINANCE through XXXX XXXX XXXX XXXX. Unfortunately later I discovered, and am dissatisfied that my Predatory term, along with Interest rate of 6.25 % for 75Mo.. I Donot feel considering my Good Credit Score, and discussion with dealership-I qualified for a much lower Interest rate of at least 3 %. 
I have had An auto loan through CAPITAL ONE AUTO FINANCE In XXXX, and successfully repaid my Auto Loan on time. 
In addition, On XXXX.Capital One Auto Fin. was contacted via phone, and I inquired about my Extremely High Interest rate ( 6.25 % ), And Term ( 75M0. ) and was Informed the rate dispensed for my Loan, '' was a result of the Amount of the Loan- {$38000.00}. 
I feel the response provided by " Capital One Auto Finance '' was Bias, and Unusual for me as a consumer to have their Good Credit Score disregarded for the amount.Unfortunately with this " Extemely High Interest Loan '', I certainly feel targeted, and preyed Upon for Excessive Financial Gain on behalf of the lending Institution, and this is illegal, and RedLining Business Practices.Prior to CAP.ONE Auto Fin.dispensing Percentage Rate, for me as a consumer being selected.I was Reviewed, and Unfortunately, targeted with Extremely High rate ( 6.25 % ), and lengthy term ( 75M0. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am filing this complaint because Experian refused and ignored the request to provide me with documentation that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify the accounts, under Section 611 ( 5 ) ( A ) of FCRA they are " required to promptly delete all information which can not be verified. '' Please resolve this matter as soon as possible. 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 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As of Complaint # XXXX, have it been corrected at XXXX  and closed both at XXXX and XXXX  now both XXXX and Transunion decided to to lower my score 60+ points, because of the same complaint. 
My mistake was only adding one of the three credit reporting agencies.

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 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am filing this complaint because Transunion refused and ignored the request to provide me with documentation that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify the accounts, under Section 611 ( 5 ) ( A ) of  FCRA they are " required to promptly delete all information which can not be verified. '' Please resolve this matter as soon as possible. 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 2020-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account was removed from my credit report and placed back on my credit report without notice from the credit bureau. I disputed this account with all 3 agencies and was not sent any validation or verification coming back that this account belongs to me. This account was removed from each agencies. This account was placed back on by profile by Transunioun and XXXX  without notice to me and without validating this debt.

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 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/19 there was fraud on my XXXX XXXX. I called as soon as I noticed it and the XXXX XXXX removed it along with the interest charge, finance charge and late fee charge right away. However, XXXX XXXX has reported to the credit agencies that I was late on paying that statement, which is not correct.I tried calling their call center and emailing to no avail. I want this removed from my credit history immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian, XXXX, and XXXX  have continuously verified accounts listed within my consumer credit report as accurate when the accounts in question do not belong to me and are reporting in error. 

The following items should be removed from my report IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are also 17 unauthorized hard inquireis listed within my consumer credit report which should be removed also. 

Please note that I have made plans to retain an attorney and provide copies of my police report, credit reports, and written statements if this matter is not resolved with the credit reporting bureaus as they never seem to take any consumers credit serious as they are making money off of this issue.

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 2020-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
XXXX is my current mortgage servicer, previous servicers were Ocwen Mortgage Service and PHH Mortgage. I'm having problems acquiring mortgage assistance. 
I have been denied several time by all servicers of which they are one in the same. 
My mortgage history in their files is incorrect and servicing notes. Documents from XXXX states I was denied because there was 3 previous modifications. I have only had 2 modification never received a 3rd modification. Ocwen provides misleading information and they are refusing to work with me to save my home. I do not want to lose my home to foreclosure, received foreclosure notice foreclosure attorney who is working on behalf of my mortgage company. Tennessee law requires the homeowner to be given 30 day notice by mail prior to the sale, also the public notice was not published for the number of days per the Tennessee Code Annotated. Never received and acceleration of the note correspondence which reflects amount owed on mortgage from foreclosure attorney office or my new mortgage servicer XXXX. the mortgage servicer records or inconsistence because of the changes with the company. Ocwen is under monitoring with the Federal Consumer Protection Agency PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Dealer Finance of Western Kentucky
State: TN

Complaint narrative:
On XX/XX/20 I called to make a payment on my car. I asked for the pay-off amount and they said XXXX. So, I made a regular monthly payment of XXXX on today. I asked why do I still owe so much. They said I was being charged 5 % after my due date which in on the 5th of each month. My loan was sold to this company two years ago without my knowing. In addition, the former loan company and the new company never bothered to let me now in writing of the change. If I was made aware I would have paid the extra fee to have my due date changed. I would have also made sure to pay by the 5th or change the due date to avoid the 5 % unknown fees they charge each day after the 5th. 

I even let Dealer of XXXX XXXX XXXX Kentucky know that I even called the company that sold my account to them to ask them why did they sale my account, because I was on time and getting the payment down. Each month for two years, I called to Dealer Finance of Western Kentucky to make a payment and they never told me about any fees or how high the fees was each month. Basically, they never informed me or made me aware that the XXXX payment was not being all included in my monthly payment. I being robbed. This company is staying in business by conducting bad business surviving off late fees that clients may not be aware of. They should be investigated. I had a remainder balance of XXXX last year and after 12 payment I owe XXXX as of today. Somebody help! 

When I asked for a copy of my account and the history they were hesitated about it. I asked the XXXX XXXX why was I never informed, isn't the goal to better inform the clients of services and products. 

I also never agreed to be contacted by their automated dialer from XXXX XXXX. This is mainly because I was never been informed my account was sold and bought. The Company never sent anything in regards to my account number, in which I am unaware of what it is. Moreso, the loan number, I am unaware of what that is also. I never received a payment book, email of any payment transaction or by mail. The company never kept me abreast in any outlet to know any account details. 

The XXXX XXXX made the comment you can contact someone about it, since I did not like the way they were doing business. I told him, I will do just that. 

I. I was never informed that my account was sold II. The new company claims they wrote me, but I never was informed of the Dealer Finance of Western Kentucky until they called me about my payment. 
III. No access to view account details online IV. They charge a $ XXXX service fee for payment over the phone ; although there is no other method to avoid the high fee. 
V. Charges a 5 % fee for each day after the 5th of the month ( which is my due date )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize

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 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize

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 2020-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlantic Recovery Solutions LLC
State: NJ

Complaint narrative:
Hello, I got call saying you have no responded this means you have waived your right and tomorrow XX/XX/XXXX this will be turned over. Either you or your attorney call l me sometime today so we can have your statement on file. I called back left a message I said i'm not trying to dodge the debt. I couldn't pay because loss a job. we emailed each other. I said I'd like to negotiate a settlement. He said no I can not accept the terms. I said I can pay XXXX per month. I'd also like something in writing due to the fact I never got anything in writing from them before regarding this. I never heard back again I followed up by email no response. But i'm getting calls at home and on my cell telling me this is our fourth call to you we are going to sue you have until 5 today to call us. I emailed XXXX XXXX to let him know i'm still getting these calls no response. The amount is {$1000.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vinci Law Office, LLC
State: CO

Complaint narrative:
Hello, I had a debt to XXXX XXXX XXXX because I lost my job and had to break my lease. I was never served or notified but then was garnished by their attorney Vinci Law Office. But then I filed for bankruptcy and this debt was covered under that. 
years later, my husband who was not listed on the debt, didn't sign the lease, but he is now being garnished. Just like me, he was not served or given any notice of court proceedings. I am not sure how they got past the statute of limitations or how they were able to pursue a debt against him that he had no responsibility for. They likely are doing this to a lot of people and need to be investigated. 
When it was against me they waited until the statue almost ran, then filed an extension and let the interest accrue to an extremely large amount before garnishing. It looks like they did the same to my husband because the interest is very large and he was given no notice. 
Court filed date:XX/XX/20Interest : {$9000.00} ( How can there be interest when it was just recently filed ) Taxable cost : {$390.00} Less any amount paid : {$950.00} Principle Balance/Total Amount Due : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I took a cashier 's check to my bank. I asked the teller, XXXX, if he could tell if the check was good. He answered " yes ''. I asked if I cashed the check could a stop pay be made by the other bank. He answered " no ''. 

I took the cash ; however, the other bank did have a stop pay on the check. My bank, Bank of America, debited my account for the cash I took. 

I have been told since, the teller could only tell if the check was good if it had been drawn on a Bank of America account. He made an incorrect response to me. I relied on this employee of the Bank. The Bank damaged me and I need to be reimbursed.

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 2020-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have an account with Chase so is my son.My son has overdraft fees and Chase decided to take my money and pay for my son account. I have called them and they refused to correct this mistake. I do not owe Chase and yet they do not have any right on my money. I have budget and because of what they are doing I am falling behind on paying my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I opened a checking account with Bank of America in XX/XX/XXXX and made direct deposit totaled {$4000.00} by end of XXXX to qualify for the sign up bonus. The advertised terms state that the bonus would be posted within 60 days after fulfilling the requirement, but it hasn't posted as of today. I first called BoA customer service on XX/XX/XXXX and the representative ensured that I qualified for the bonus and put in an escalation for me. She said the investigation would take 7-10 business days. I called again on XXXX and the representative said there was no update and I should check my account in a week for the bonus and call back if nothing. As of today XX/XX/XXXX, there is still nothing, and I doubt calling BoA customer service for the 3rd time will lead to any progress at this point.

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 monetary relief
Consumer complaint received 2020-01-17 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: NY

Complaint narrative:
XXXX, Transunio, and XXXX  have continuously verified accounts listed within my consumer credit report as accurate when the accounts in question do not belong to me and are reporting in error. 

The following items should be removed from my report IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   There are also 17 unauthorized hard inquireis listed within my consumer credit report which should be removed also. 

Please note that I have made plans to retain an attorney and provide copies of my police report, credit reports, and written statements if this matter is not resolved with the credit reporting bureaus as they never seem to take any consumers credit serious as they are making money off of this issue.

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