vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-18 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: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Failure to reinvestigate and respond to specific errors on my credit report from the attached attorney letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Social Finance, Inc.
State: GA

Complaint narrative:
Sofi Lending has opened a personal loan in my name to someone who is not me. I have sent them notification that I am a victim of Identity theft and to removed the unauthorize account from the credit agencies. I have provided them with a copy of my driver 's license, proof of residency, a report I filed with the FTC and a copy of the police report. They have refused to remove the item from the credit departments. I have supplied them also with an affidavit signed by me that this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2020 XXXX failed to auto pay loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I requested a roll over of my retirement acc from TIAA to XXXX XXXX  After many calls with incompetent TIAA agents and missing forms they finally processed the transfer but that is unbelievable they send {$270.00} XXXX by regular snail mail usps as a XXXX card- no certified mail or tracking Very unsafe, unsecure and prone to be lost or stolen beside lost interest for more than 10 days No checks were received after 4 days? 
Agent say XXXX certified over night may be available upon request but I was never informed I will make sure that will be addressed-completely carless from your customers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX XXXX ( I add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, JPMCB - AUTO FINANCE add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian still hasn't responded to my disputes

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 2020-12-18 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

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 2020-12-18 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: PNC Bank N.A.
State: FL

Complaint narrative:
I recently received a copy of my XXXX, XXXX, and XXXX  report. The credit report showed credit inquiries by a few companies that I do not recall authorizing. I understand that companies shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please remove all inquire from each credit bureau that is being reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, ALLY FINANCIAL, INC add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My son had some XXXX work done. He financed the {$6000.00} procedure with XXXX XXXX XXXX XXXXComenity Bank. However, the bank charged ME with the debt. I have made consistent attempts to get them to transfer the loan to my son 's name, but they insist that that they can not transfer the account and that my son is guilty of XXXX. They presented me with my " signature '' as evidence of my liability. 
Meanwhile, my credit rating plummeted, they constantly hounded me with threatening phone calls, and continued to accuse my son of XXXX. After a year and a half of this I showed my son a comparison of my signature with the one they had. Lo and behold, it was my son 's ( illegible ) signature all along! Yet, even when presented with this new evidence they persisted in the insulting directive to send my son to XXXX for XXXX! If there was any fraud, it was on their part not ours. Both my son and I have repeatedly tried to rectify this situation, but they will not listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

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 2020-12-18 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Huntington Bank has {$7500.00} of my money and they will not release the funds. They are demanding I go into a branch instead of just returning the electronic deposits I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX

Complaint narrative:
On XX/XX/2019, 3 unauthorized ACH transactions occurred in our checking account in the amounts of {$2100.00}, {$6100.00} and {$5200.00} We reported the unauthorized transactions to First Citizens bank on XX/XX/2019. 

The bank refused to refund our money insisting that we didn't report the error the next business day. 

The online banking doesn't show up until the day after, so we wouldn't have the ability to see the transaction until XX/XX/XXXX. The bank was closed on XX/XX/XXXX. So we did in fact report the error the next business day - XX/XX/XXXX. 

The bank is not refunding our money that they allowed to be withdrawn without our consent. 

Even if we had waited an extra day - the bank 's policy is absurd. How can we be expected to check our account daily for fraud? Especially over a holiday.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
SCRA Coverage, Service member entered into the XXXX XXXX XXXX XXXX on XX/XX/XXXX. Chase bank was contacted in regards to SCRA coverage for the interest rate of the credit card to be reduced from 15.99 % to the 6.00 % mandated under the SCRA. 

Phone calls were place to chase earlier in XXXX, to no resolve I sent two messages to chase via the online portal. Messages were sent on XX/XX/XXXX and XX/XX/XXXX. Both messages were received and replied to me from chase via their app. None the less after contacting them twice via the app and twice via the phone there still has been no change to the account as of XXXX. 

I contacted JAG in regards to the matter and they have directed my issue to your agency directly. I am more than willing to supply my contract of enlistment which can be verified by the Department of Defense and the earliest statement I have on the account dating back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA
State: MI

Complaint narrative:
My lease is currently with KIA MOTOR FINANCE. I am trying to refinance this leased vehicle with another lender. I have requested a lease-end buyout quote in writing on KIA letterhead on five different occasions : Date Time EST # called Item requested result XX/XX/2020 XXXX XXXX  XXXX lease-end buyout quote never received XX/XX/2020 XXXX XXXX  XXXX lease-end buyout quote never received XX/XX/2020 XXXX XXXX  XXXX lease-end buyout quote never received XX/XX/2020 XXXX XXXX XXXX lease-end buyout quote never received XX/XX/2020 XXXX XXXX  XXXX lease-end buyout quote never received I am not sure how else I can obtain this document.

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 2020-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: MD

Complaint narrative:
I have repeatedly tried to notify this company that the items do not belong to me. 
XXXX XXXX  XXXX, Aargon Collection XXXX, & XXXX XXXX. 
Please help me with these items.

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 2020-12-18 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft )

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 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi / AAdvantage Platinum Select card offers, " Spend {$2500.00} in three months and get XXXX XXXX XXXX bonus points. '' The problem is, you don't get 3 months because the clock starts the moment they approve the card. 
They will only send the card regular mail. They say that is 7-10 days. So they admit you won't get three months. 
Additionally, if card is lost in transit and they cancel and send new card, another 7-10 days from that point. So now we're at 2 weeks gone by ( at least ). 

Therefore, they are making an offer that they can never honor because no one is going to get 3 months. 

I believe the offer should say, " three months from time card is activated '' ( which is actually what I assumed was the offer ). That way, the consumer does get three months. 
The could even say, " three months from time card is activated or 15 days after approval, which ever comes first. '' That at least satisfies both parties ' needs. 

I have contacted Citi three times on this matter and they refuse to let me speak to a supervisor, they refuse to overnight the card, they refuse to give me card number so I can make online purchases. I was approved on XX/XX/2020 and it is XX/XX/XXXX and still don't have card. I have contacted XXXX XXXX three times and they finally called me today to say they will do nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: LA

Complaint narrative:
Monthly I tried to correct my reports. There is a big issue with these credit reporting companies. They have been hit with lawsuits and still do not meet qualifications to handle the consumers information. 
There is a major economic problem in the nation and they seem not to understand! 

Since there is an economic issue affecting people way of paying their bills, why are not the reporting done better to help the consumers and not hurt the? There is no compassion with these companies.

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 2020-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
Company Involved : Ameris Bank, Mortgage Services Problem : Lender ( Ameris Bank ) is refusing to drop Private Mortgage Insurance ( PMI ) although I have reached conditions for dropping it as listed on my PMI loan disclosure. Repeated attempts to talk to a supervisor at their company have failed and lender considers the matter closed. I continue to be charged a monthly PMI fee. 

Mortgage PMI Information : According to my Private Mortgage Insurance Disclosure ( attached ), I have the right to request my PMI be canceled on or after either the date the principal balance of my loan reaches 80 % of the original VALUE OF THE PROPERTY. It goes on to state that the PMI will automatically terminate when my loan reaches 78 % of the VALUE OF THE PROPERTY. 

Steps I took : 1. XX/XX/2020 : I made an email request on the Ameris ( lender ) online account to have PMI dropped and giving relevant information. I did not receive a response. My mortgage principal had dropped to 77.9 % of the value of my home. 
2. XX/XX/2020 : I called Ameris to make the same request by phone. I was told that I could make a request that the PMI be dropped, but that it was up to them. I had the associate put in the request. The associate told me that they would get back to me within 5 days. I also asked to be transferred to a supervisor, however supervisor was unavailable. I left a message on the supervisors voice mail, but the supervisor did not return my call. 
3. XX/XX/2020 : I called again to the mortgage company because I had not received a response. I was told that my request was still being processed and would be completed on Monday, XX/XX/XXXX. 
4. XX/XX/2020 : I had still not received a response from lender, so called again. Was told that a letter had gone out on the XXXX ( in contradiction to the information I was given when I called on the XXXX ). The associate told me that the PMI request was denied because I did not reach less than 80 % of the amount OF THE LOAN. I read to the associate my disclosure statement saying that the amount only needs to be 80 % of the amount of the PROPERTY VALUE. She attempted to put me through to a supervisor, but again, a supervisor was not available. She assured me that a supervisor would call me within 24 hours, but that did not happen. 
5. XX/XX/2020 : I received an email from Ameris, stating that they mailed me a letter with their determination on XX/XX/2020. 

Resolution desired : 1. At a minimum, the PMI to be dropped. 
2. In addition, I believe that the amount paid for the PMI, since the time it should have been removed, to be credited to my account. 

Additional Information : I have excellent credit and have never missed a mortgage payment. My wife and I have been paying extra in order to pay down the principal and eliminate the monthly PMI payment. 

Loan was originally by XXXX XXXX, but then sold to Ameris.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: IL

Complaint narrative:
I tried to send someone {$80.00} and cashapp said they refunded it I dont even see the transaction from my bank statement but cashapp took the money was supposed to be returned Thursday its not Friday and no money

Company response to consumer: Closed with explanation