vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Strategic Alliances, Inc.
State: PA

Complaint narrative:
I received a packet of papers from the company First Financial Asset MGMT. Inc. ( FFAM ), dated XX/XX/XXXX, stated that I took out a loan for {$2500.00} under the creditor XX/XX/XXXX When I called and asked what the company is known for XXXX XXXX XXXX, they stated they are a company that gives out vacation loans. I have never took out a loan for anything but school and my car. They stated one payment was made for {$280.00} when they loan was request in XX/XX/XXXX but it was not my credit card number. They have no proof of a contract or anything signed to allow my permission. I now have a past due bill in collections currently dropping my credit score for something I did not purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
1. XXXX XX/XX/2020 : Requested a Balance Transfer from CiTi Credit Card # XXXX to my XXXX Checking Account # XXXX for {$1500.00}, a total of {$1500.00} with a {$45.00} fee. 
2. XXXX XXXX - XXXX XX/XX/2020 : Multiple inquiries with both XXXX and CiTi trying to locate the monies. 
3. XXXX XX/XX/2020 : Received letter from CiTi detailing the transaction. Please note that the Tracer # is not accurate. ACH numbers are 15 digits. Provided XXXX with the same information. 
4. XXXX XX/XX/2020 : Received letter from XXXX detailing the results of their investigation : Monies were not deposited. 
5. Date Unknown : Received what appears to be a copy of microfiche from CiTi detailing the transaction. Again, please note that the Tracer number is a null field ( XX/XX/XXXX). Numerous calls to CiTi attempting to get a valid ACH # have been unsuccessful. This document was also provided to XXXX. 
6. XXXX XX/XX/2020 : Attempted a three-way call ( myself, XXXX, CiTi ) ; CiTi advised that their rules did not permit it.

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 2021-01-11 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: TX

Complaint narrative:
four months ago I notified the credit bureaus of accounts that did not belong to me. It has been well over 60 days and I have not gotten a response or any type of update. I feel like I am being taken advantage of and the credit bureaus are ignoring my disputes. Section 611 ( a ) plainly stated that failure to complete an investigation within 30 days is grounds for accounts to be automatically deleted from my credit reports. It has been over 60 days actually so these accounts should be deleted from my credit report immediately. I demand these accounts be deleted or I may have to file litigation for the stress this has caused on my life. My information was also a part of the Equifax data breach and who knows who has been using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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 contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX,XX/XX/XXXX, XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XX/XX/XXXXadd a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX add a hard inquiry on my credit reports.

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 2021-01-11 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 contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX,XX/XX/XXXX, XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXXXX/XX/XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX add a hard inquiry on my credit reports.

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 2021-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: WI

Complaint narrative:
Arvest Central Mortgage unilaterally decided to pay my XXXX property tax bill in XXXX without my knowledge or consent after several years of paying it by year 's end. This will have significant impact on my Income tax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a dispute with Transunion, XXXX, and XXXX on XX/XX/XXXX, in regards to the incorrect items on my credit reports. I sent a Demand to Comply letter on XX/XX/XXXX after receiving no updates. It has been well over 30 days, and I have not received any investigation results.

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 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed 22 accounts that were paid in full, old accounts that were supposed to be deleted. 
The following inquiries are impermissible : 1. XXXX, XX/XX/XXXX 2. XXXX, XX/XX/XXXX 3. XXXX, XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX, XX/XX/XXXX 6.XXXX  XXXX XXXX, XX/XX/XXXX 7. XXXX XXXXXXXX, XX/XX/XXXX 8. XXXX  XXXX, XX/XX/XXXX 9. XXXX XXXX, XX/XX/XXXX 10. XXXX, XX/XX/XXXX 11.XXXX, XX/XX/XXXX 12. XXXX, XX/XX/XXXX 13. XXXX, XX/XX/XXXX 14.XXXX, XX/XX/XXXX 15. XXXXt, XX/XX/XXXX 16. XXXX, XX/XX/XXXX 17. XXXX XXXXXXXX XXXX, XX/XX/XXXX 18. XXXX XXXX, XX/XX/XXXX 19. XXXX, XX/XX/XXXX 20.XXXX, XX/XX/XXXX 21.XXXX XXXX, XX/XX/XXXX 22. XXXX XXXX, XX/XX/XXXX Please remove these accounts from my credit report immediately.

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 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed 22 accounts that were paid in full, old accounts that were supposed to be deleted. 
The following inquiries are impermissible : 1. XXXX, XX/XX/XXXX 2. XXXX, XX/XX/XXXX 3. XXXX, XX/XX/XXXX 4. XXXX XXXX, XX/XX/XXXX 5. XXXX XXXX, XX/XX/XXXX 6.XXXX  XXXX XXXX, XX/XX/XXXX 7. XXXX XXXXXXXX, XX/XX/XXXX 8. XXXXXXXX  XXXX, XX/XX/XXXX 9. XXXX XXXX, XX/XX/XXXX 10. XXXX, XX/XX/XXXX 11.XXXX, XX/XX/XXXX 12. XXXX, XX/XX/XXXX 13. XXXXXXXX, XX/XX/XXXX 14.XXXX, XX/XX/XXXX 15. XXXX, XX/XX/XXXX 16. XXXX, XX/XX/XXXX 17. XXXX  XXXX XXXX, XX/XX/XXXX 18. XXXX XXXX, XX/XX/XXXX 19. XXXX, XX/XX/XXXX 20.XXXX, XX/XX/XXXX 21.Dpt EDXXXX XX/XX/XXXX 22. XXXX XXXX, XX/XX/XXXX Please remove these accounts from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Uplift, Inc
State: PA

Complaint narrative:
I received a packet of papers from the company XXXX XXXX XXXX XXXX. XXXX ( XXXX ), dated XX/XX/XXXX, stated that I took out a loan for {$2500.00} under the creditor UPLIFT. When I called and asked what the company is known for ( Uplift ), they stated they are a company that gives out vacation loans. I have never took out a loan for anything but school and my car. They stated one payment was made for {$280.00} when they loan was request in XX/XX/XXXX but it was not my credit card number. They have no proof of a contract or anything signed to allow my permission. I now have a past due bill in collections currently dropping my credit score for something I did not purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: DE

Complaint narrative:
On XX/XX/XXXX I tried working with someone from US Bank to locate statement and account activity for a Checking Account. I had a total of two Checking Accounts with US Bank ; one that is closed and one presently opened. The challenge I am facing, is that when I was trying to get information on the closed account I am told it was purged and that there is no document retention available because it's been over 7 years from when it was opened. The closed account was opened in XXXX but sometime around or after XX/XX/XXXX. My SSN is XXXX. I am requesting assistance because I need to locate check activity that potentially occurred between all of XXXX and all of 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 non-monetary relief
Consumer complaint received 2021-01-11 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: GA

Complaint narrative:
I filed a dispute with XXXX, Equifax, and XXXX on XX/XX/XXXX, in regards to the incorrect items on my credit reports. I sent a Demand to Comply letter on XX/XX/XXXX after receiving no updates. It has been well over 30 days, and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
Prior to Covid my escrow balance was in the negative and my mortgage payment went up substantially. A little after COVID hit I had to request a hold on mortgage payments. Once I was able to pay my mortgage again I called and received options. During that time my escrow was still very negative. I advised rep I would send in something to get it down as it was still a struggle to pay the higher mortgage payment. I was not told to do otherwise just list Escrow Payment on my check. On or around XXXX 2020 I called in to be removed from the forbearance program. I advised I could not pay the new mortgage amount due to it being a few hundred dollars more than what I signed up for. In an attempt to get my mortgage payment down I spoke to a rep about paying my escrow balance down. I sent in a payment that specified escrow shortage and it still got applied to the loan itself. I have called multiple times to get it resolved and now being told nothing they can do after speaking to a supervisor. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To whom it may concern on XXXX XXXX, 2020 XXXX XXXX XXXX ( XXXX ) granted a 90-forbearance due to covid 19 hardship. Reduction in hours, school closures, office shutting down etc. During the forbearance period starting on XXXX XXXX, 2020 ending XX/XX/2020 o payments were due. However Only XXXX XXXX 2020, XXXX XXXX XXXX, then reported to the 3 credit bureaus that my mortgage account ( which they no longer had ) was over 60 days past due. THIS IS NOT THE CASE, under the Federal guidelines, NO NEGATIVE REPORTING WAS TO BE DONE TO CREDIT AGENCIES DURING THE FORBEARANCE. ( from XXXX XXXX XXXX XXXX. 
I contacted XXXX, they told me they no longer have account information and would not take back the negative credit report. After several failed attempts with XXXX ( XXXX XXXX XXXX ) to fix my credit report, I then contacted Experian, and disputed this issues 3 times with them each time submitting documents that prove that XXXX fraudulently reported 60 days past due on my credit even though a forbearance was in place. I received a letter back on XX/XX/XXXX from XXXX admitted they reported incorrectly and would fix it, they never did. I supplied experian with these documents and now my credit report is even further damaged, it now shows incorrectly that I was 60 days past due on my XXXX  account in XXXX of 2020 even though i did not have that account open as of XXXX 2020. XXXX XXXX XXXX has broken federal guidelines during a forbearance and still as of today XXXX XXXX, 2020 has still NOT fixed my credit report.

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 2021-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: LA

Complaint narrative:
Cash App to add XXXX to my account and never received the funds was told I had several accounts but it was my first time opening in XXXX 2020. I do have several email where I attempt to contact support service for cash app was not help to me. The only things was told to me that they don't send mobile message about funds being added to my account they send emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NJ LENDERS CORP
State: NJ

Complaint narrative:
I have request NJ Lenders to respond with a copy of where the {$130000.00} went and who deposited the {$130000.00} that I have been PAYING BACK FOR OVER 8 YEARS. NJ Lenders own Note and Mortgage documents state that I received the {$130000.00} loan. I have not received the loan was not used to pay off my existing mortgage because both NJ Lenders and XXXX XXXX XXXX XXXX have no record of money changing hands. The mortgage stamped " Cancelled of Record '' does NOT indicate that the mortgage was SATISFIED and there is NO RELEASE OF LIEN, NO DISCHARGE OF TITLE AND NO ONE WHO WILL BUY A $ XXXX+ HOUSE THAT DOES NOT HAVE TITLE INSURANCE. This should not be a problem for NJ Lenders to send the proof of payment. 
Please request NJ Lenders to reply with the proof of where the {$130000.00} went. I have my monthly mortgage payments for over 8 YEARS and have made monthly mortgage payments and PAID BACK to NJ Lenders and NJ Lenders will not confirm who deposited the {$130000.00} payment. Please review the attachment that shows the cancelled checks from the original purchase and the first 10 % deposit along with the closing costs. Another problem has surface because EIGHT different Mortgage Identification Numbers appear when XXXX XXXX XXXX, XXXX XXXX is looked up on XXXX XXXX FOUR OF THE MIN 's are ACTIVE. The XXXX XXXX MIN on the bottom of the page has NJ Lenders XXXX  ID of XXXX but is listed as XXXX XXXX  this came up on the report as FALSE. I entered the MIN and XXXX Loan numbers of the form because the documents that were filed BLACKED OUT the information in an apparent attempt to conceal the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have corresponded with the banking institution and it is going on 2 years with no resolution. I have complied with the requests and documentation. Banking institution refuses to provide my account with the credit while they investigate the fraudulent activity. I have phone records and USPS certified mail receipt of the documents being delivered. USPS Certified Mail Receipt No. XXXX XXXX XXXX XXXX XXXX. Email also provided on XX/XX/2020 with the documents requested as well. The incident number they provided for reference is : XXXX. The banking institution customer service and " supervisors '' allege that the check was cashed by XXXX  XXXX XXXX, the intended payee of the check does not utilize XXXX XXXX XXXX to endorse any payments that I have made to them for 2 years. The checks that are attached for reference does not reflect the checks as endorsed, but instead is blank. The intended payee has stated to me this has NEVER been received and continues to bill me for these monies.

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 2021-01-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I entered into a consumer credit transaction with Toyota Financial Services on XX/XX/2020. This consumer credit transaction included a finance charge. Pursuant to 15 U.S.C.1605 A finance charge is the sum of all charges in a consumer credit transaction. Toyota Financial Services not only took my vehicle as down payment ( {$5000.00} ) but they advertised down payment in violation of U.S.C. 1662. Pursuant to 15 U.S.C. 6802 Toyota Financial Services never disclosed to me that I had the option to opt out of the transaction being reported. Toyota Financial Services also reported this transaction to a consumer reporting agency which is a violation of 15 U.S.C. 1681. The transaction arose from a credit card which is supposed to be excluded from consumer report. Along with the repeated phone calls and erroneous billing errors from Lexus as well is a violation of 15 U.S.C. 1692c ( a ) a debt collector may not communicate with a consumer in connection with the collection of any debt. I have sent multiple certified letters to the consumer reporting agencies and to Toyota Financial Services most of them not returning the green signature card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: TX

Complaint narrative:
XXXX, XXXX, Transunion XXXX XXXX Account open XXXX Late Payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Account opened XXXX These not my accounts, I've contacted the creditor and the credit bureau about this matter and no one has shown me proof that's my account or even reached-out to me.

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 2021-01-11 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: TX

Complaint narrative:
XXXX, Equifax, XXXX XXXX XXXX Account open XXXX Late Payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Account opened XXXX These not my accounts, I've contacted the creditor and the credit bureau about this matter and no one has shown me proof that's my account or even reached-out to me.

Company response to consumer: Closed with explanation