vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Unauthorized use of my credit report. Reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc.
State: CA

Complaint narrative:
Someone open account under my name and apper on my credit report whit late payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I was advised my the XXXX that the debt was with this debt collection company but never received any documentation

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 2021-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
We closed out a loan with PenFed credit union-paid off XXXX mortgages with them. For our florida house that we paid off, they kept our escrow money. It is my understanding that they need us to sign something to allow them to keep that money for any reason. We closed on that months ago and still have yet to receive escrow monies of XXXX they held, plus over XXXX that we had to give as a deposit despite already paying a full year of insurance before closing. We then had no money to pay for the insurance that was due! How can these big banks be allowed to have fraudulent business practices?

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 2021-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: KY

Complaint narrative:
On XXXX, I purchased a Visa gift card ( XXXX ) from XXXX for {$470.00}. I could tell after opening the card that it had been tampered with as there was really hard glue covering the sercurity code. After scratching the glue of the card the security code was no longer readable ( completely removed ). I attempted to use the card 5 times at a walmart but the magnetic information was also removed from the card. 

I called US Bank ( XXXX  ) customer support at XXXX. I told them exactly the details noted above. They said they would send me a replacement card in the mail. I told them to disable the orginal card since it was tampered with. I received the replacement card ( XXXX ) on XX/XX/18 in the mail. I activated the card and was told there was a {$0.00} balance. I called and was told someone had used the original card. I explained the card was not usable and I didn't even have the security code since it was tampered with. I also informed them that I had been through all of this XXXX days ago. They went through a list of charges and I confirmed it was not me ( since it couldn't be me ). They put me on hold for XXXX minutes as they tried to find someone to file a dispute with.

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 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Capital Management Services, LP
State: CA

Complaint narrative:
My name is XXXX XXXX who was a customer about credit card from the company to be sub-coordinators of XXXX before. In my past, XXXX XXXX XXXXXXXX used to close my bank A/C in XXXX, 2019 wthout letting me know in advance and before that, they issued credit cards for me to use them that I spent it wisely almost 2 years. That meaned I always paid it on time that never delayed with the credit card company. You all can inspect it in my history thoroughly and I wasn't the person who closed XXXX by myself so that I would avoid payment for credit card {$1300.00} but the main cause was from XXXX ; not me. When the company was unable to follow up me, they got XXXX to reimburse the company instead of me first in this time that I thought it's very fair for credit company. I learned it from emails that were sent me continually. 

Anyhow, you all should have to remove my damaged record or spoilt history about me from the consumer reporting agency urgently because before that I had big deal to spend it with huge amount to do urgent matter about financial life to complete before I can clear and pay off XXXX in the near future. Please help me as my request!

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 2021-11-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXXBalance {$16000.00} XXXXBalance {$1700.00} XXXX XXXX XXXXBalance {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc
State: KS

Complaint narrative:
I can not believe that I am dealing with this again. Today I received a push notification that my credit file had a change. I found a collection account in the amount of {$170.00}. I knew it sounded familiar. Soon I found out that the customer of the collection agency is XXXX XXXX. I used to have internet and cable with XXXX. When I switched to a company who actually provides the services that I pay for, my XXXX account was paid in full. In XXXX of 2021 I had the same thing happen to me. I was never notified by XXXX, nor by XXXX XXXX XXXX of a debt, yet I received a collection account on my credit files. I repeatedly attempted to deal with them to no avail. I then filed a complaint with your agency and you made them remove the collection account from my file. Now the same false debt from XXXX is on my files as a collection account with a different collection agency- Williams and Fudge I. How does this debt continue to haunt me when I owe XXXX nothing? Will you please make Williams and Fudge I remove the false collection account from my credit files? Will you please make XXXX XXXX stop harassing me? I am including my complaint and resolution from earlier this year. I thank you for defending me and I appreciate the service you have already provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened my account with a {$10000.00} opening deposit and they have said they can't open our account until I show up in person and they will not give me my money back. The closest branch is nearly an hour away and I work full time, so that is not feasible. I have called multiple times and spent countless hours trying to get my money back. The person whose name and phone number was on the letter requesting a call has not responded to multiple calls and has not called back when messages were left.

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 2021-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
I inquired about XXXX internet and applied to have to services installed to my home. At the time I was living inside an apartment complex with that has duplicate address on each side. I put in the current address for my residence which was located on the east side of the complex and XXXX installed the internet services to the west side of the building complex ultimately making it inoperable for my unit. I reached out to XXXX and had a tech sent out which is who diagnosed the ultimate problem of the services at the wrong unit but also advised the technician that ultimately we would just be cancelling the services as we weren't able to use them at all the tech understood and agreed to collect the equipment. Later I see a collection on my account for {$200.00} referencing a charge from XXXX after never receiving and cancelling services.

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 2021-11-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I call Experian to remove unauthorized inquiries off my credit report. Sent certified letter.

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 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent everything certified mail as well. 

Experian is in clear violation of the FCRA law under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : a ) In general- Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

FCRA 15 US Code 1681a- Rules of construction : ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE the account above from my consumer report, this agency is in violation of 15 USC 1681a Failure to respond with deletion of the above referenced account, and send out a free copy of my updated report after the changes have been made will result in legal action being taken against your company, for which I will be seeking {$1000.00} per violation for : 1. Deformation of Character. 
2. Neglect meant enablement of identity fraud. 
3. Fair debit collection practices act 15 USC falsifying violations 4. Fair credit reporting act 15 US C 1681n violations for Civil liability for willful noncompliance

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 2021-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: NV

Complaint narrative:
The affiant is exercising its right of revocation under 15 U.S.Code 1635 and UCC 3- 306 to rescind any power of attorney used in connection with this transaction, including any derivative, hypothecation, trades, or transfers of possession, voluntary or involuntary involving each and every instrument. I was not informed of the existence of any such power of attorney and demand its complete revocation ; nunc pro tunc. As the affiant is aware, I participated in a credit sale as a result of the consumer credit transaction I got into with XXXX XXXX  XXXX XXXX, XXXX XXXX  on XX/XX/2021. 
The affiant is aware that under 15 U.S. Code 1635, the affiant is no longer accountable for any financial change. Due to the sum of {$29000.00} relating to both the Truth in Lending Act and Regulation Z, the creditor must terminate any security interest and restore any money or property.

According to Bureau standards, each consumer credit contract must have eight needed material disclosures, which must be clear and conspicuous, bolded in ten point type, and sectioned off in boxes. A mortgage contract must contain nine required material disclosures. The contract furnished by XXXX XXXX  XXXX XXXX, XXXX did not fulfill the entire requirements of material disclosures required by the Truth in Lending Act, as noted in EXHIBITS below

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 2021-11-19 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: FL

Complaint narrative:
I recently checked my credit report with Experian information services Report # XXXX. 
My information was included in a data breach with XXXX. I found an account on my report that shows me in a negative light. This account is not mine and was opened by fraud. 
Here is the account information. 
Account name : XXXX XXXX XXXX  IN Account numberXXXX I filed a report with the FTC # XXXX I also disputed with the credit bureau with no avail. 
I'm taking these formalities to get the item investigated and removed. I have attached a copy of the credit report and my identity theft report as proof.

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 2021-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Accounts reported on credit that aren't mine and I didn't open them.

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 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I got off the phone with both XXXX and Early Warning. They have stated that they have verified this account as accurate. However, they clearly have not conducted their own independent investigation because of a blantant errors on my reports with each of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Millennial Home Lending, Inc
State: FL

Complaint narrative:
Hello, On XX/XX/XXXX I received my loan estimate and approval from Millenial Home Lending, Inc XXXX XXXX XXXX XXXX, CAXXXXXXXX 
Our closing date for my new home purchase was set for XX/XX/XXXX. 
They told me that my income and credit were not an issue for the loan amount that I was borrowing, {$230000.00}. 
We received a copy of the appraisal on XX/XX/XXXX, showing the property value at {$250000.00} and our purchase price was {$240000.00}. 
Our problems started well into XXXX, when the lender realized that my husband owns a home just 2 miles from the one I am buying for myself and my elderly mother to live in. I explained the reason that I am buying a house separate from my husband 's. 
I still had ownership of my original house from before we married, and my nephew lives there. They had a problem with that, so we provided the documentation to show that my nephew is purchasing the house through payments for {$25000.00} ( roughly 20 % of it's actual value ), and I am not collecting houses for investments. I am purchasing another house so I don't have to put my mother in a nursing home when she needs more help than I can provide with weekly visits. 
THEN they started wanting my mother 's financial information. She wasn't on the application and had nothing to do with the purchase, but they pushed for me to supply them with her financial information, or they would need to submit the loan as an investment property and require 15 % down. 
I have two BIG issues with this : As a working adult female with my own money and credit, why can't I buy a house that I want to live in because they assume I want to use it for investing when I have no history of any previous house sales or renting? 
Also, with the aging population and so many families trying to keep loved ones out of nursing homes, why are they able to make it so difficult to help a family member have a home with or near their caregivers? How is this legal??

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 2021-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
I was approved with Amerisave for a cash out conventional mortgage. I knew there would be title issues and conveyed that at time of application. The loan officer, XXXX XXXX was rude and arrogant. He made me try to get the mortgage payoff. I have Worked in the mortgage industry for 30 years. I have never asked my borrower to get the payoff! Theres not a title company around that would accept a payoff directly from the borrower! Claimed hed have good information ( for the title issue ) prior to my appraisal being done so that so I wouldnt have to waste money- He was not able to answer any of my questions. His replies would be are you going to send what we need or not. Or I don't Have to tell you every single thing thats going on. I asked Him to clarify and hed reply I dont t know what youre confused about. Or I dont know, thats titles job. It was The worst experience. Today I cancelled my application because I could not deal with my loan officer being so rude and arrogant. Clearly incompetent. Worst experience!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2021, I opened a Citibank checking account. They had a bonus offer of {$700.00} if you deposit $ XXXX. So, I deposited {$50000.00} in the checking. 
After few days, they blocked and closed my checking account anymore. I contacted customer service several times. Nobody knew what's going on kept diverting my call to XXXX where they cant understand my issue. They keep saying same thing again and again ok, Yeah, I understand Until now they have not returned my money back. It's my hard money saved for a long time and CITIBANK has stolen my money. Please help me get my money back. It has caused mental and physical agony. If this is not resolved, will definitely go to new media and bring to nation 's attention. this is FORGERY, FRAUD, MANIPULATION BY CITIBANK. They should be held accountable for their fraudulent practices

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 2021-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
RADIUS GLOBAL SOLUTION FOR XXXX XXXX {$450.00} Acct # I never received documentation to settle this dept the first i saw on my XXXX Credit Report... 
I have medical insurance and have been disputing it with XXXX XXXX XXXX XXXX And the doctor; Please Review their tachetics in this matter and remove from my credit report! 
While this matter is in process I did contact them once and got routed all over the place They gave a settlement of {$380.00} When i tried to reach back to them to send me a actually bill could get thru 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