vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
We received a check from FEMA flood on XXXX XXXX for {$71000.00}. It had Citibank plus our names on the check, XXXX & XXXX XXXX, We has an old Citibank home improvement loan which we paid off XXXX. We took the notarized copy of the loan pay off to our XXXX XXXX with the check and they refused to cash it. They said Citibank had to sign off on check. We drove to the XXXX XXXX to Citibank in XXXX XXXX. Talked to Assistant Vice President, Manager, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX, Phone XXXX. He said he could not sign off on the check because it had to do with a home equity loan that was paid off. He sent the check and the notarized pay off letter to CitiBank Mortgage, XXXX XXXX XXXX, XXXX XXXX, SD XXXX on XXXX. It arrived ther on XXXX. It was received by XXXX and left in office. 
Citibank would not answer any of phone calls. We called FEMA Flood. We explained the situation. We sent then the pay off note and a copy of the check and bank info. They agreed to re-issue the check in only our names. They called us back and said the check was cashed on XXXX XXXX, XXXX without our signatures. Back of check said XXXX on back, so they could not reissue our check. We went back to Citibank in XXXX XXXX. They sent the info to their reserach dept in Maryland on XXXX and we still have not gotten our money. We need it for home repairs from XXXX XXXX. No one will help us get our money. Citibank owes us the money. It is our money. XXXX XXXX gave us a case number XXXX. He does not answer our calls and neither does Citibank. We desperately need help.

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 2023-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I submitted several payments to Chase Bank for this credit card balance and they have been ignored. The company did not disclose the following : I. Full disclosure of my right to rescind ; Consumers right to rescind ( 12 CFR 1026.15 ) II. Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) ; III. Disclosure the agreement was a consumer credit transaction and allows for consumer protection when it involves a primary dwelling ; IV. Failure to disclose Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices ; ( 16 CFR 433.2 ) V. Failure to disclose that nonpublic personal information will be shared with a nonaffiliated third party ; I rescinded the consumer credit agreement and tendered a final payment for full settlement of the account. The company is still attempting to collect the debt.

In addition to these violations they are in violation of 15 USC 1692 on the way they are communicating the debt as a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Caribou Financial, Inc.
State: VT

Complaint narrative:
I contacted Caribou Refinancing to refinance my vehicle. Upon pre-qualify I was presented 2 options for refinance. I made my choice to waive all add on extras I also chose a 72 mo term at interest rate. I was then told to supply payoff quote, original contract, id 's, registration, pay stubs, etc... Upon doing so I received a call from my loan XXXX XXXX. During this recorded conversation numbers seemed fine but XXXX was insistent on trying to sell me product. I informed him NO numerous times. I also informed him my vehicle has a warranty on it until XX/XX/2023 thru XXXX. I also informed him it's both transferable and renewable. He continued the sales pitch so I hung up. The site then asked me to finalize loan by reviewing and signing. The numbers were way off. I emailed XXXX to ask why and he did not mention anything about adding a powertrain warranty to the refi. This powertrain warranty added against my wishes and without my knowledge or even mentioned drove the financed amount up {$1300.00}. How many others are they doing this to? 
Truth and transparency in lending, I think not. I have not signed the documents. I should also mention this was also done after they performed a hard pull on our credit. The XXXX attachments show a few things. 1. It shows no extra added coverage on there loan offer ( screenshot ). 2. Shows over a {$2000.00} discrepancy in payoff amount and new financed amount. {$1300.00} is the undisclosed powertrain warranty.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I have requested the *original* amortization schedules that were supposed to be provided to me at time of disbursement, either initial or final. Navient is refusing to provide these documents, which I suspect is on purpose due to the fact it will show their fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Affirm is trying to collect on a debt that was a result of identity theft. I'm uploading my affadavit and I have sent them a copy of my lease which is too large to upload here. The merchandise they say was purchased was sent to an XXXX  address and I have lived in XXXX  since 2010.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Approx XX/XX/23 submitted an application to Wells Fargo. Was denied. Subsiquent letter explaining denial NOT based on my credit worthiness.

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 2023-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
XX/XX/2022 Amount : {$2500.00} My information was given to this company without my consent. 
The company is in direct violation of 15 USC 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: Nelnet, Inc.
State: IL

Complaint narrative:
I have not giving anyone consumer reporting agencys written instruction to use my information or to add the deragotory Items to my credit report.

15 U.S Code 1681b permissible purposes of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
on XX/XX/23 I called the company and verified that they are not licensed in Texas to collect and the company before them had that collection and I disputed it and they took it off because the account was old and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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:
XXXX XXXX XXXX, account open on XXXX for {$740.00} XXXX XXXX Account opened on XX/XX/2022 amount XXXX Action taking by me I dispute these fraudulent accounts with both XXXX, and TransUnion consumers reporting agency. I am a victim of XXXX and TransUnion data breach. I am promised accuracy on my consumer credit report by federal law. I disputed these accounts listed above with them both over the phone and online. Now Im reporting it to the cfpb as another attempt to have these errors corrected on my consumer reports under 15 USC 1681. All verified information must be promptly removed as you can see in your system you can not verify these accounts so Im requesting you remove 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 non-monetary relief
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
The company is called Convergent Outs. They called at XXXX XXXX  on XX/XX/23. They did not leave a message. My phone flagged it as a suspected scammer. The number they called from was ( XXXX ) XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I was directed to this website regarding the recent Wells Fargo Settlement. I did have a Wells Fargo account in the period between XXXX and XXXX and paid many overdraft fees to them when I had an account with them. I no longer have a Wells Fargo account. Please let me know what my next steps should be to find out if I qualify.

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 2023-02-24 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: KEYCORP
State: ID

Complaint narrative:
For 10+ years my XXXX XXXX came out of KeyBank CC. The XXXX account is 2nd of the month to the 2nd so when I originally started I would have been charged/set up on the 2nd. CC statement is 13th of the month, so I would have received my CC bill with the new charge on THAT month 's statement. Let 's just say for a moment the first bill did NOT hit in time, they would have received the 2nd bill from XXXX before my next due date with Key and I would have paid double to catch up. I have always paid on time. XX/XX/2023 I cancelled my XXXX account. The last bill that XXXX shows they sent Key was XX/XX/XXXX and on-line it shows XXXX balance, Key paid on the 12th and I paid Key, and they reflect that on the 28th. I get a bill from Key in XXXX for my normal payment. If XXXX didn't send them a bill, what am I reimbursing?? I asked Key to send me PROOF that they received a bill and if I'm wrong I will pay., They keep telling me I am paying for previous month which makes NO sense as XXXX bills in advance. I could be 100 % wrong about owing and if I am I have no problems paying, I just want proof and do not trust big banks to be honest at all. Once a Company ( and they have with me ) or person has lied, when can you believe they are truthful. So that I have no glitches on my credit I did pay bill but if in fact I am right and they are wrong, how much money are they making illegitimately on 10 's of thousand of people doing what I did? Unfortunately I'm using common sense that says if they received no bill, I should not receive one either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: TX

Complaint narrative:
My identity has been stolen dating back to 2014 Someone uses applies and has obtained credit in my name with out my consent.

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 2023-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: KY

Complaint narrative:
I received notice XX/XX/2023 that XXXX XXXX sold servicing of my loan to Roundpoint effective XX/XX/2023. I paid my XXXX payment to XXXX XXXX because I generally pay early, so I am not concerned about missing a payment or being late for XXXX. My concern is that Roundpoint has yet to send me a statement for the XXXX payment ( they possibly think I would owe ) or the XXXX payment that is due in 4 days. I received an email from Roundpoint giving me a new loan number several weeks ago, and calling them results in no option to talk to a person. I do not want to set up an auto pay with Roundpoint. I want a monthly statement so I can mail a check to them. My complaint is that Roundpoint for the last 5 weeks plus surely should be expected to send me a mortgage statement by mail.

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 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) Dont have any idea of this not looking for a car In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-02-24 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:
XXXX XXXX XXXX AMOUNT DUE {$420.00} OPENED XX/XX/2021 XXXXXXXX XXXX AMOUNT DUE {$3100.00} OPENED XXXX XXXX, 2021 THESE ACCOUNTS WERE NOT OPENED BY 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 non-monetary relief
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARS National Services, Inc.
State: AL

Complaint narrative:
XX/XX/2022 Amount : {$2500.00} My information was given to this company without my consent. 
The company is in direct violation of 15 USC 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: FL

Complaint narrative:
XXXX XXXX XXXX AMOUNT DUE {$420.00} OPENED XXXX XXXX, 2021 XXXX XXXX AMOUNT DUE {$3100.00} OPENED XXXX XXXX, 2021 THESE ACCOUNTS WERE NOT OPENED BY ME

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: FL

Complaint narrative:
XXXX XXXX XXXX AMOUNT DUE {$420.00} OPENED XXXX XXXX, 2021 XXXX XXXX AMOUNT DUE {$3100.00} OPENED XXXX XXXX, 2021 THESE ACCOUNTS WERE NOT OPENED BY 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 non-monetary relief
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCalla Raymer Leibert Pierce, LLC
State: GA

Complaint narrative:
A law firm on behalf of a company I do not have an agreement with is attempting to collect a debt from my as a debt collector. 

the original Bank that completed the loan with was provided with a Notice of Assignment and the Promissiory Note with an Allonge that was filed in my county in XXXX of 2022. The servicer has chosen to ignore the instrument and tender. 

I have rescinded the contract for the following reasons : I entered into this contract agreement with the XXXX XXXX without the following disclosures : I. Full disclosure of my right to rescind ; Consumers right to rescind ( 12 CFR 1026.15 ) II. Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) ; III. Disclosure the agreement was a consumer credit transaction and allows for consumer protection when it involves a primary dwelling ; IV. Failure to disclose Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices ; ( 16 CFR 433.2 ) V. Failure to disclose that nonpublic personal information will be shared with a nonaffiliated third party ; VI. Failure to disclose the application is self-liquidating paper ; ( 17 CFR 260.11b ( 6 ) ) The Right of Rescission based on a violation of the Truth in Lending Act. There has been a systemic failure to provide several required disclosures of consumer rights and is the basis and the legal justification for this Notice of Rescission. 

I also provided in the Notice to Cease and Desist is Pursuant to the Fair Debt Collection Practices Act and my right, as a consumer, to terminate all future communications with the debt collector. This was ignored. 

After a Notice of Default and Dishonor, I sent a Notice of Rescission to the above entities. Now they have referred this to the Law Firm I am reporting in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) Dont have any idea of this not looking for a car In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) Dont have any idea of this not looking for a car In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
On XX/XX/2023 I received a Debt Collection notice, via XXXX, from SouthwestCredit ( XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ) XXXX The letter was dated XX/XX/2023, so that by the time I received it, 7 of the 30 days I have to dispute this claim had already elapsed. 

This debt is not mine, so on XX/XX/XXXX, I filled out a form on the SouthwestCredit website ( https : //www.swcconsumer.com/ ) to tell them exactly that ( to dispute the debt ). Despite entering my email address and telephone number, as part of that form, I did not receive any confirmation from SouthwestCredit that the account is in-dispute. Also, when I look at my account status on the SouthwestCredit website, there is no indication that the account is in dispute. So Southwest can simply claim that I never disputed the debt, in which case after 30 days the law presumes the debt collection attempt is valid. 

I then called SouthwestCredit to ask for some kind of written confirmation that my account is in-dispute. The customer support agent I spoke with ( XXXX XXXX ) told me she is not able to give me a concrete confirmation that I'm disputing the debt. After I escalated my case with SouthwestCredit customer support, XXXX 's XXXX ( XXXX XXXX ) told me that she can not give me a concrete confirmation, and passed me to their " executive relations '' dept. The executive relations department does not pick up their phone, so I wasn't able to make any progress on this issue at all.

Company response to consumer: Closed with explanation