vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-22 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: CA

Complaint narrative:
I noticed that Equifax is reporting one inaccurate negative item in my account from XXXX XXXX, one inaccurate negative from XXXX, two inaccurate negatives from XXXX XXXX, two inaccurate negatives from XXXX XXXX  XXXX, two inaccurate negatives from XXXX  XXXX, two inaccurate negatives from XXXX XXXX, and one inaccurate negative from XXXX. All negative accounts are showing that I have several chargeoff accounts that have a balance on them. This is completely inaccurate. I already contacted the Credit Bureau and the Creditor regarding it but they did not give a response on this particular matter. I need your help on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
In XXXX, we opened Citi Bank accounts for their promotion that said if we transfer {$50000.00} after 90 days they would deposit {$700.00} into our account. The money was deposited on XX/XX/2021. It has been 210 days and numerous calls to Citibank and we still have not received our {$700.00}. They have claimed we did not send back our W9, however we have sent it to them twice. Every time it's a new issue and a reason for not providing us the money from their promotion.

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 2021-10-22 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: FL

Complaint narrative:
I was checking my credit report and I don't understand why I see that information on my account. I have no idea where did you get it. Its not mine.

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 2021-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Looking on my credit report. I seen that someone took out an auto loan in my name. I have never taken out a auto loan. This was not me XXXX XXXX who. Applied for this loan.

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 2021-10-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Spring Equity LLC
State: AL

Complaint narrative:
Back in XXXX of 2021 we started the process of applying for a HELOC with Spring EQ llc and in mid process after a hard credit pull they just stopped contact. We called and were told we were assigned a different loan person. This person reached out once and then nothing. I have names and texts and emails of all. At this point we decided to put the process on hold because life happens. Last week we tried again and got names of multiple companies. Once again Spring EQ contacted us and wanted the business. We talked with 3 different people as it seems theres no internal communication and then settled with a loan officer named XXXX. Emailed a few times, stated he had to pull credit again as it had been too long so he did. And once again other than an email calling me by the wrong name, we never heard from this company again. Thats 2 hard credit pulls and then zero follow up with company. No return emails or calls. Nothing. This adversely affects credit as they know. Attached are just a few of many emails and texts as proof. I have multiple agent names and we have filed a complaint with the XXXX  as well.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-22 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: TX

Complaint narrative:
XXXX XXXX XXXX. We leased a XXXX XXXX. When the lease was ending we got the pay-off and it was for XX/XX/XXXX. We paid it off ( which XXXX states we received your payment of {$11000.00} on XX/XX/XXXX ) and figured that was that. However, in XXXX we found out they were marking our account delinquent which made no sense as they had our {$11000.00} since XX/XX/XXXX. Even charged us some kind of tax we paid in full AFTER we paid off the car. XXXX - XXXX Account Manager XXXX reached out to me from XXXX and said there was some paperwork we had to sign to get the title. I asked if our credit would be cleared up once completed and we were told yes. However, they never cleared it up and are refusing to still clean it up. We were NEVER late, in fact, they owed us a refund after it was all said and done. They owed XXXX money. 

Experian has not reviewed the verifiable information that XXXX had our money in hand. If there was an issue... XXXX should have sent us back OUR money and that would have alerted us there was an issue. They did not give us back OUR money NOR did they inform us of any issues. As soon as we were aware there was an issue XX/XX/XXXX ( Friday ) we returned the paperwork XX/XX/XXXX ( Monday ). There were no late payments. XXXX- when I spoke with her - assured me once they paperwork was filled out - our credit would be corrected. We asked multiple times ( through their " Secure Messages that are no longer " accessible '' nor can you see any YOU send ) about them fixing our credit and that XXXX assured us they would fix this. On top of that they had to pay us monies BACK ( over {$300.00} ) and probably actually owe us more. I wonder if it was legal for them to charge us additional amounts AFTER they took our {$11000.00} that we *also* paid for some kind of tax on the car.

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 2021-10-22 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: IL

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop n I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have two negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify and remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: MN

Complaint narrative:
I Refinanced my home in XX/XX/2021 with Flagstar Bank, This repulsive process with Flagstar had taken about 18 months and approximately XXXX emails. 
They continually lost my information, made numerous excuses and have no Clue what they are doing. 
This is an extremely incompetent and dishonest company, who have misappropriated my funds. 

Instead paying the outstanding property taxes and XXXX insurance, which I solely paid over the past 2 years, Flagstar sent that escrow check to my Ex-husband, who was NOT entitled to it, and is stated in our divorce decree.

I've had numerous conversations with my mortgage loan officer, her supervisor and the CEO office, stating they disregarded what was stated in my divorce decree, which they have in hand. Their response is " There is nothing we can do '' and Do not contact us again. 

So here I sit, no escrow check from the previous mortgage in the amount of {$2200.00}. 
{$1800.00} in the hole with my current mortgage. 
And to top it off - Flagstar is now charging me a third time in my current mortgage to place funds in my escrow account

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 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am having problems specifically with 2 banks- XXXX XXXX and Chase. Both represent that you can dispute a charge or transaction online although neither of them actually allow you to do that. Chase used to allow you to dispute a charge online and submit your dispute electronically. Now, they require that you call, and every time you call, you get the outgoing message, " due to the unusually high call volume, expect wait times in excess of 1 hour '' or whatever the message says that tells you you are going to wait a long time. I have tried multiple times to get through to someone and can not reach someone to dispute a charge. I feel as though Chase is doing this to purposely make it harder for people to dispute charges on their bills. 

Same thing with XXXX XXXX. They offer you the option to dispute a charge online but you go through the whole online process of providing information about the charge only to be prompted to call the 800 number which you end up having to wait on line forever to get a hold of someone. 

In both instances, trying to dispute a simple overcharge ends up taking hours. I feel as though both Chase and XXXX XXXX misrepresented themselves telling me that you can dispute a charge online and then making me call and wait hours to dispute a charge. I think the goal is to discourage people from disputing charges by making it so difficult and time consuming to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MoneyLion Inc.
State: CA

Complaint narrative:
Got an email out of the blue stating there was unusual activity on my account and to contact them, I contact them and they didn't give me any answers and simply stated I'm not eligible for the account, after using it consistently for years and refuse to give me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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 noticed that Transunion is reporting one inaccurate negative item in my account from XXXX XXXX, one inaccurate negative from XXXX, two inaccurate negatives from XXXX XXXX, two inaccurate negatives from XXXX XXXX  XXXX, two inaccurate negatives from XXXX  XXXX, two inaccurate negatives from XXXX XXXX, and one inaccurate negative from XXXX. All negative accounts are showing that I have several chargeoff accounts that have a balance on them. This is completely inaccurate. I already contacted the Credit Bureau and the Creditor regarding it but they did not give a response on this particular matter. I need your help on this matter.

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 2021-10-22 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: SC

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 stress 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 2021-10-22 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Here are the accounts below that are inaccurate and have never done business with 1. XXXX  XXXX XXXX XXXX XXXX - {$19000.00}. ( ftc report filed ) 2. XXXX - XX/XX/XXXX - {$14000.00} 3. MIDLAND CREDIT MANAGEMENT - XX/XX/XXXX - {$1300.00} ( FTC REPORT FILED ) 4.MIDLAND CREDIT MANAGEMENT - XX/XX/XXXX - {$2200.00} ( FTC REPORT FILED )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22 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: NC

Complaint narrative:
EQUIFAX just violated the law and reported unauthorized inquiries which is unknown from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: CO

Complaint narrative:
EOS CCA ( XXXX XXXX XXXX, XXXX, MA, XXXX ) is trying to collect {$220.00} from XXXX. 

History with XXXX XXXX I cancelled service with XXXX XXXX in XXXX of 2018. I used their prepaid label to mail back the modem. I confirmed my account was closed and had no further payments. I received a disconnection confirmation number. I never received another bill from XXXX XXXX. 2 years later, I received creditor letters saying I owe {$220.00} to XXXX XXXX. The mail is coming from EOS CCA. XXXX has confirmed with me multiple times that I do not owe anything. I have recorded conversations and emails. EOS CCA is a fraudulent debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021, a FRAUDULENT TRANSACTION posted to my account : XXXX XXXX Other ... XXXX {$580.00}. 

I did not authorize a XXXX transaction with that merchant on that day or on any other day. 

This FRAUD was immediately reported to Capital One. The Capital One agent stated on a recorded line that a FRAUD REPORT had been completed and that new credit cards had to be sent to me as well as to my authorized users. I was also told by the Capital One agent on a recorded line that there would be NO MORE FRAUD allowed on this account by this merchant and that in no way would the amount be charged to the account again. 

Despite those assurances by Capital One, the FRAUDULENT transaction of {$580.00} again posted to my account. This time as a " purchase adjustment. '' I immediately called Capital One the moment that I discovered it. I was told by Capital One " FRAUD Transaction Agent '' XXXX that the reason for this is that the previous Capital One representative mistakenly filed my complaint as a " dispute report '' instead of as a " FRAUD report. '' This is very disconcerting as I was previously told by Capital One on a recorded line that. FRAUD report had been filed and that was the very reason that all of the credit cards associated with this account had to be replaced. 

XXXX then transferred me to XXXX a FRAUD Investigative Specialist who told me that this time, they would have the month-old FRAUD claim processed properly. When I asked if Capital One would be FRAUDULENTLY reporting s {$580.00} balance to the credit bureaus, she responded, Yes, Sir. 

When I asked how long the {$580.00} credit would take to post she responded, It might take a while. This response was entirely unacceptable. I asked to be transferred to someone in charge. After a long wait, XXXX, her manager told me that the credit would post in 2-3 business days. 

This is the same thing I was told over a month ago when I was also told that no purchase adjustment would ever appear on this account and no additional FRAUDULENT charges would appear either. This has not been the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
After roughly 25 years with CitiBank, I carried a high balance for a majority of the time I was with Citi. I paid tons of interest, and finally finally got my balance down. I have paid with money orders since the very beginning with CitiBank, all while sharing this account with three other family members. We had four different cards, all with the same account number. Individually, we made our big purchases using this account and would gather all of our money together in a money order to make payments. All of our accounts were in GREAT standing, and without any warning, all of our accounts were terminated and our rebates ( {$3600.00} ) was also terminated - NO WARNING!

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 2021-10-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: CO

Complaint narrative:
This complaint is related to ongoing issues I am having to finalizing a loan modification with Caliber Homes Loans, namely their poor communication tactics, and failure to properly receive and process payments. I have previously expressed concern with Caliber 's refusal to allow me to make ACH payments online, due to the fact that a couple checks I have sent them were either lost or stolen, and Caliber failed to inform me of those check 's status. Now I am concerned about losing the loan modification I was asked to make trial payments on, I have been attempting to communicate with them via the provided email ( XXXX ) and emails are frequently ignored, or if responded to are weeks late and do not address my concerns at all. There seems to be some disagreement between myself and Caliber as to the amount and schedule of payments due, and due to the refusal of Caliber to communicate with me or other parties involved, I am concerned about losing my home. 
My concerns were referred to the DOJ for mediation ( DOJ XXXX Complaint XXXX XXXX ) through the XXXX XXXX and I indicated I would be interested in participation in mediation with Caliber to reach a mutually beneficial resolution. Caliber failed to respond to this request and it has been considered a refusal to participate. They also frequently ignore a housing counselor at the VA who is trying to assist me, XXXX XXXX. This is an ongoing pattern with Caliber where they ignore people who I have asked for assistance, and it is virtually impossible to get any sort of transparency from them. 
I am also concerned by some of the information on Caliber 's website indicating they are a military and veteran friendly lender. I am a XXXX veteran and given the ongoing XXXX issues I have explained above, I find Caliber 's claim on their website that they are a " military friendly brand '' highly deceptive. Quite frankly I feel that Caliber is a predatory lender and their poor treatment of me and refusal to honor my requests for reasonable accommodation quite contradictory to the image they present on their website. I would never have chosen to do business with this company, but they bought my loan. Once I bring my account current, I want nothing more than to refinance with a lender who is trustworthy.

Company response to consumer: Closed with explanation