vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-08 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: NY

Complaint narrative:
I have three credit cards that are open with my name attached to them that do not belong to me.They show up on my XXXX XXXX report and I believe its not allowing me to open my own credit card. Accounts below with balances that are due. 

XXXX XXXX {$1600.00} Balance XX/XX/2021 ( AUTHORIZED USER ) *CITICARDS CBNA {$17000.00} XX/XX/2021 ( AUTHORIZED USER ) *XXXX XXXX {$150.00} XX/XX/2021 ( INDIVIDUAL USER )

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 2021-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am constantly being locked out of my Chase Bank online account. The process of getting my online account unlocked involves dialing an XXXX number and being on hold for upwards of 1 hour. This process inhibits timely payments and allowing consumers to see their transactions to submit a dispute. The alternative is to have them call my landline... its a Southwest Airlines Visa Card, I travel, I'm rarely at my land line. Today is the 3rd time in the last 24 hours I've been left on hold because verifying my account requires extra security.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
XXXX XXXX I mailed a certified dispute letter to FRANKLIN COLLECTION SERVICES and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 200 complaints on XXXX  they also have over 300 complaints with the CFPB Demand A DELETION REQUEST OF THE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I had applied for a loan modification under my mortgage company 's ( LakeviewXXXX XXXX XXXX loss mitigation department beginning in early XXXX of this year. I had been told to submit, resubmit, and resubmit documentation. I was getting pretty aggravated after the third submission of the documentation XX/XX/2021. I was rather shocked today when I spoke with a representative named " XXXX '' at the loss mitigation department [ ( XXXX ) XXXX ] who had informed me that LakeviewXXXX had simple " removed '' my application. I did not know that an application could be " removed ''. I was waiting for a determination for over a month an a half before the application was removed at the eleventh hour. I think that the repeated requests for resubmissions was an intentional delay tactic and was a prelude for the mortgagee 's decision to disregard the application... this was clearly in bad faith. 

It is my belief that LakeviewXXXX had no intention to allow me to submit the application and that they were sandbagging me while waiting out the clock until XX/XX/2021. I would like in inquiry into this BAD FAITH, obviously prejudicial and oppressive action by the Consumer Financial Protection Bureau.

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 2021-10-08 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This XXXX limit my score is over XXXX And my lowest credit limit as with them in my second lowest credit limit as with XXXX XXXX for XXXX my highest one is my black card through XXXX XXXX and they just keep give me a XXXX credit limit should be at least {$20000.00} and I feel like theres discrimination her because I have better credit than my friend and I make over XXXX a year and I have over {$10.00} XXXX in assets and they keep declining me for a legitimate question

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
Wakefield and Associates, date of service stated XX/XX/19, tried to call and discuss and let them know this is not my debt I didn't attend a hospital on that date. This is not me and will not be paid it needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a regular consumer credit card with Citibank online a little over a week ago. Yesterday, I got a letter stating that there were still some items of verification that needed to be established before they could come to a decision. The letter provided me with the phone number I could call to enable them to do just that. Today, I called that number and was put on hold several times. Each time they had a question about me, my personal identity information, such as address, phone number, and such, I was easily able to provide it. But, none of my answers seemed to be enough, so I asked to talk to a supervisor. Then, I was cut off, and I called back. Again, I was unable to resolve the situation talking to the agent and I asked again to talk to their supervisor. It seems that the whole problem centers around the fact that I moved addresses a couple of months ago and had to get a new primary phone number. Although I explained all that and told them what my old number was, the supervisor at Citibank, who identified herself as XXXX in South Dakota, stated that she was unable to approve my application, but would not be specific as to why. I am who I am and was able and willing to answer any and all questions they had, and my credit rating is in the 800s, yet I was declined! And, XXXX refused to provide me with any specific reasons as to why.

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 2021-10-08 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: PA

Complaint narrative:
I the consumer did not consent too, nor authorize these inquiries on my transunion consumer report : 1. XXXX/XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX  XX/XX/XXXX 4. XXXX, XXXX  XX/XX/XXXX 5.XXXX  XXXX XX/XX/XXXX Transunion did not have my permissible consent to share my consumer report with these companies. Everything is electronic I did not give them my written consent to share my consumer report with any corporation per section 1681n ( b ) which makes Transunion civilly liable. Any corporation who obtains a consumer reporting agency knowingly without permissible pretenses shall be liable to the consumer reporting agency for actual damages in {$1000.00} Per section 15 USC 1681n ( b ). If you can provide a copy of a credit application authorizing the disclosure of my files with my signature, I will accept the inquiry. If such application is removed I demanded this inquiry be removed from my consumer report. In accordance to section 15USC 1681n ( b ) I the consumer am appalled to fact that XXXX violated the laws and humiliated me to those corporations and I demand remedy {$1000.00} per inquiry 15USC 1681n ( B ) and {$1000.00} for the violation via Check Per section 15 USC1681n ( A ) .I would greatly appreciate a response from you within 30 days.

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 2021-10-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XXXX, XXXX and XXXX are continuously reporting fraudulent accounts due to identity theft to my credit profile such as USAA, XXXX AND ALL COLLECTIONS. 

Upon researching I have found that the address used to verify these accounts is XXXX XXXX XXXX XXXX  XXXX XXXX Florida XXXX. 

I have never lived at this address and I do not own a Florida drivers license nor ID. 

These accounts are fraudulent and I have furnished multiple times to these credit reporting agencies that my correct address for 15 years has been XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fl XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: MD

Complaint narrative:
On XX/XX/2021 I received a copy of my credit report and I noticed a inaccurate account on my credit report that is being illegally reported. I sent out letters to the company who was illegally reporting this information on my credit report. According to the Fair Credit Reporting Act 15 U.S.C. 1681 A3, the information that they are reporting is supposed to be excluded from my credit report and they are illegally reporting it and I told them that. I demand this account to be deleted from my credit report. I will file for litigation for this company violating the Fair Credit Reporting Act and they are held civilly liable for reporting this debt. I am also being ignored on my disputes. My information may also have gotten in the hands of the wrong person during the XXXX data breach.

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 2021-10-08 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2021 I received a copy of my credit report and I noticed a inaccurate account on my credit report that is being illegally reported. I sent out letters to the company who was illegally reporting this information on my credit report. According to the Fair Credit Reporting Act 15 U.S.C. 1681 A3, the information that they are reporting is supposed to be excluded from my credit report and they are illegally reporting it and I told them that. I demand this account to be deleted from my credit report. I will file for litigation for this company violating the Fair Credit Reporting Act and they are held civilly liable for reporting this debt. I am also being ignored on my disputes. My information may also have gotten in the hands of the wrong person during the equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Allied Collection Services, Inc. (Nevada)
State: NC

Complaint narrative:
Allied/ Nevada XXXX XXXX Inc dba XXXX XXXX put a garnishment/ hold on my bank account for XXXX, never stating the reasons, items/ service/ debt. It was never on my credit report. I was never served. My name is spelled wrong and the address is completely incorrect. When stated that the call was being recorded, the debt collector hung up. I do not owe any 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 2021-10-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
PenFed is in violation. They have marked my credit file with a repossession. My vehicle was never repossessed. In fact, I had a Covid 19 hardship that did not expired until XX/XX/2021. They claimed the vehicle was repossessed on XX/XX/2021. I was never notified of anything until XX/XX/XXXX and when I was notified, I immediately called and I was told that the information was incorrect and that the vehicle was not in repossession and to simply ignore that document. I lost my job and was unable to pay for my car that is why a hardship was granted to me. I was also given XXXX XXXX through PenFed as insurance because I couldnt afford insurance while being laid off due to Covid 19. The insurance only covered the vehicle in the event it was damaged or totaled the insurance was cover my entire costs for my vehicle. 

On XX/XX/2021 I was hit by a drunk driver and the car was totaled. The drunk driver also ran my physical body over with his vehicle fleeing the scene. I informed XXXX XXXX and I had the vehicle towed to a body shop out of my own expenses. The insurance company came out and told the body shop to fix the vehicle if it could be fixed. They gave me {$13000.00} in my PenFed bank account for the body shop to pay them for the repairs and their time and work. The body shop took the vehicle apart and noticed it was unable to be salvaged and had the insurance come back out and they totaled the vehicle out. They body shop charged {$4900.00} for their time and work. However, PenFed was refusing to pay the body shop until the threatened to put a lien on the vehicle. PenFed still has the {$13000.00} issued by XXXX XXXX. They are claiming that they paid the body shop {$4900.00} through their money and not the body shops {$13000.00}. And that is why it is legal to put it as repossessed on my credit file, although my insurance already sent over a check to cover the {$4900.00}. 

Again the vehicle was never repossessed, because my loan was under a hardship due to Covid, the vehicle was totaled as of XX/XX/2021, and I was never informed of PenFed going to get the vehicle. And even if they did, the insurance paid for the body shop and paid for the vehicle. 


Please call me if this is unclear. PLEASE HELP ME. 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 2021-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: UT

Complaint narrative:
So I was selling an item online and the buyer was asking me to use zelle so I proceeded to use whats best for the buyer little did I know things were a little off but I wanted to sell my product they buyer sent money to my zelle account then I receive an email saying that zelle is holding my funds when then it made me do steps to get my full asking price XXXX $ it said I had to send the buyer XXXX $ then I did but after 1-3 hours went by I checked my account nothing I then replied to the person then texting me step by step saying their servers were down. Then I thought oh Ill check when I get up to see if its there nope it wasnt then I was upset so I called my bank they said they couldnt do anything same thing with zelle I just want my money back and to never use either my bank I have now and zelle because they do not even come close to good care for anyone and I work hard for all the money I have and for me to be taken advantage of then none of the sources I used helped at all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I have frozen my three accounts in the aftermath of the data breach at XXXX in 2017. Since then, both XXXX and Experian have made it really complicated to lift freeze every time I need to. XXXX has a simple online system but Experian and XXXX nominally claim only that they allow such lift online. When I log in and enter my pin, the system tells me without detail that it doesn't work. No phone number to call. I reached out to Experian today through their online chat and was given a number with a series of steps to talk to a customer representative who immediately lifted my freeze in a few steps. This showed that my pins worked. When I tried to log in on my XXXX account, I had the same issue. I called but couldn't find an option to lift my credit freeze.

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 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I have frozen my three accounts in the aftermath of the data breach at Equifax in 2017. Since then, both Equifax and XXXX have made it really complicated to lift freeze every time I need to. XXXX has a simple online system but XXXX and Equifax nominally claim only that they allow such lift online. When I log in and enter my pin, the system tells me without detail that it doesn't work. No phone number to call. I reached out to XXXX today through their online chat and was given a number with a series of steps to talk to a customer representative who immediately lifted my freeze in a few steps. This showed that my pins worked. When I tried to log in on my equifax account, I had the same issue. I called but couldn't find an option to lift my credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have disputed late fees and interest on my Care Credit account. All of my payments have been made a month in advance. However they claim that I have 4 late payments and charged interest on a 0 interest for 18 months account.

I emailed and called the company three different times in the past week. They agreed to reverse only 2 of the late fees of XXXX and denied the other 2 ( XXXX ) late fees. Im asking that they refund the additional late fees of XXXX and interest charges on my account. 

Please see attached document that shows all of the payments made in advance.

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 2021-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Nevada Credico, Inc.
State: NC

Complaint narrative:
XXXX Nevada Credico , Inc dba Quantum Collections put a garnishment/ hold on my bank account for XXXX, never stating the reasons, items/ service/ debt. It was never on my credit report. I was never served. My name is spelled wrong and the address is completely incorrect. When stated that the call was being recorded, the debt collector hung up. I do not owe any 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