vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-03 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: MI

Complaint narrative:
I recently had XXXX fraud inquires removed from XXXX  in XXXX and they still are posted on Transunion though? i tried sending a letter letting them know that these accounts were fraud and they couldn't be authorized. even called to let them know another bureau saw the same and took them right off. please remove them as they are affecting my report with accounts that arent even mine. XXXX XXXX, XXXX, XXXX XXXX, 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 2021-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Credence contacted me XX/XX/2021. I never receive a notice explaining I had the right to dispute or verification of the debt. This now shows up on my credit report. The calls stopped for awhile but On XX/XX/XXXX, the calls resumed and still no written notice or verification had been received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: MI

Complaint narrative:
Hello Complain department Today I, am writing this complain in extremely frustrated condition, I paid my buy out quote on XX/XX/2021 to KIA Motors Finance, and since than waiting for my title, but every time I call to them, their customer tell me another story, I send hem payment on XX/XX/2021 XXXX email Odometer Statement XX/XX/2021 on email which they provided me XXXX And XXXX They were not checking their email and was keep asking me statement again and again, I sent statement many times from other email address too. 
Management, please help in this situation to get y tittle, they are making me to run here and there.

KIA Account Number XXXX Your cooperation would highly appreciate

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 2021-09-03 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: GA

Complaint narrative:
I reviewed my credit report. I have an auto loan reporting from XXXX a loan I never opened nor applied for. The applicant apparently lives at an address I also have never lived at. I sent this information to all the credit reporting agencies that are reporting this incorrect information so as to have it removed. I also notified the lender in question that the loan being reported on my credit report is not mine as I have never applied for a loan with XXXX nor purchased a vehicle from the dealer of record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from Citizens Bank, on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. Citizens Bank, violated federal law. see 15 USC 1681b A2. I did not give Citizens Bank, Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: Velocity Portfolio Group
State: FL

Complaint narrative:
I was recently informed that I was victim of XXXX data breach being a former customer I did not open this account and need it removed from my credit file ASAP. I do not own this account nor did I ever open it or had any idea it existed on my file until I checked it recently and being a victim of XXXX data breach I can deduce someone was able to use my information to open this account and thus I need it removed from credit file, as it is affecting the growth of my credit and I should not be responsible for someone else 's 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 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: OH

Complaint narrative:
I applied for a Discover prepaid card and was approved on XX/XX/XXXX. They withdrewthe deposit on XX/XX/XXXX and opened the account on XX/XX/XXXX. After approval and before even receiving the card they asked for more information on the XXXX. This ended up including a tax form plus a notary form. They said it was for identity verification but did not explain that it included 3 months of my personal account balances. I received the card on XX/XX/XXXX and assumed the tax form was enough. When I tried to use the card I found out it had a soft hold on it. At this point I felt deceived and misled and once I saw the form and what it asked for, I refused to submit back balances to have a non-working prepaid credit card. During the whole process I was switched to different people, none of whom could provide answers or anyone who could. Discover planned to close the account on XX/XX/XXXX but forced me to close the account in order to speak to a higher representative. I said I just wanted the account closed so I could get back my deposit. They closed the account " at my request '' knowing this would prevent any further action from me about the account. When I contacted the XXXX  Discover reached out and sent the refund, but also said they would look into the issue of how this whole ordeal damaged my credit. They've never addressed this issue. They've never contacted me as promised, and when I contact them I get the usual spin. They only damaged me, they never even gave me a card I could use once, but kept my money for almost 2 months, earning the interest I could have earned. I have only been damaged by this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
To whom it may concern, I opened a checking & savings account with Citibank on XX/XX/21. I wire transferred {$200000.00} from my other bank to my new Citibank checking account. Last night on XX/XX/21 I could not log into my accounts to check if the wire transfer cleared. This morning on XX/XX/21 I called Citi & they told me they closed my account. They did not specify a reason. They said they would issue me a refund check in 30 to 60 days. I do not think it is right for Citibank to hold my money for so long. I in good faith deposited my money into their bank & this is how they treat me. They get to play around with my money for 2 months if they choose to.

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 2021-09-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony closed my XXXX XXXX XXXX credit card in XXXX of last year and I have regularly made my payments, they are still reporting the activity on the card as if it was open. I had a promotional plan honestly I forgot about but they had lowered the amount available on the card enough so that when the promotional plan expired it showed a XXXX available on the account they then reported this to the credit bureau and my credit score was lowered 13 points because of 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 2021-09-03 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: GA

Complaint narrative:
I am XXXX I`m a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I reviewed my credit report. I have an auto loan reporting from Santander a loan I never opened nor applied for. The applicant apparently lives at an address I also have never lived at. I sent this information to all the credit reporting agencies that are reporting this incorrect information so as to have it removed. I also notified the lender in question that the loan being reported on my credit report is not mine as I have never applied for a loan with Santander nor purchased a vehicle from the dealer of record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
1. ) BACK IN XX/XX/XXXX WHEN I STARTED MY FIRST PAYMENTS WITH CROSS COUNTRY MORTGAGE I BEGAN ADVANCE PAYING AHEAD 3-4 MONTHS AND MY MONTHLY STATEMENTS NEVER REFLECTED THOSE PAYMENTS. I CALLED TWO MONTHS IN A ROW AND SENT A CERT LETTER COMPLAING ABOUT NOT HAVING PROPER ACCOUNTING. THEN FINALLY GET THE STATEMENT dated XX/XX/XXXXSHOWING THE CORRECTIONS for advanced payments thru XX/XX/XXXX., BUT NOW RECEIVED A LETTER DATED XX/XX/XXXX SAYING THEY NEED AN ADDITIONAL 15 DAyS TO RESOLVE THESE ISSUES. they just demonstrate they dont know what they are doing 2. ) THEN ON XX/XX/XXXX I GET NOTICE THAT BECAUSE OF THE SIGNIFICANT INCREASE IN MY HOME OWNERS INS. THE ARE REQUIRING AN ESCROW INCREASING MY MO.MORTGAGE FROM {$2500.00} TO $ XXXX..COMPLETELY IGORING MY CONTRCT SPECIFIES NO ESCROW FOR TAXES OR INS...

THEIR PROJECTION FOR MY INS. INCREASE IS EVEN FALSE, SHOWING COST TO GO FROM {$2000.00} TO {$2600.00}. THE FACT IS MY INS WENT DOWN TO XXXX.. EITHER THIS MORTGAGE CO IS TOTLLY INEPT OR THEY ARE UNEHICAL..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I paid off the agreement with the collection agency who bought the debt from the company. In return I tried to call to receive my title back from the original company who approved the loan and was unsuccessful in trying to retrieve my title. I have called several times and still got no response. The payoff date was XX/XX/2020 for {$780.00}.

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 2021-09-03 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: DISCOVER BANK
State: SC

Complaint narrative:
I paid XXXX XXXXXXXX, the collection agency for discover credit card on XX/XX/XXXX. Discover still on the dept per XXXX, but discover forced me to pay the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
JP Morgan Chase refused to accept foreign currency as a deposit. I sold a car in XXXX and brought cash in XXXX XXXX ( XXXX  ) currency home. I wanted to make a deposit to my checking account but bank teller refused to accept the deposit telling me they don't accept XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
At the time I was contacted about the debt by the collection agency, I told them that the balance is incorrect and that there is a court order for exactly what the balance is. I told them that I wanted them to look into so we can move forward. They said they only go by what is given to them and that the landlord is not cooperating with them any further for more information so they will continue to pursue the the amount that the landlord wants.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. 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 is the inquiry that is reporting on my Credit Reports : XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
I opened an account with XXXX XXXX I made a mobile deposit and now my account is restricted I was told by a representative to walk in the bank and to verify myself I walked into the branch and an employee told me to come back they see where I uploaded my documents and it should take up to 3 to 5 business days this is the 6th business day Im being disrespected By representatives I am being told they cant tell me anything even when I walk in to the branch I want access to my account where I could invest my funds and also carry on with my daily living expenses My Mortgage its almost behind I did everything that XXXX XXXX has asked me to do in speaking to a representative on the phone and from the representative telling me to walk into the bank Im getting ran around in circles can someone please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AR

Complaint narrative:
I was contacted by an individual claiming to work for Ameri Save, a mortgage company. The number was XXXX. I had done a few internet searches to research the legitimate mortgage companies, XXXX and XXXX XXXX. I applied to only XXXX mortgage via telephone, not an online form. Somehow my internet searches were monitored and my private phone number was mined and sold to this company claiming to work for Ameri Save.

I find this activity disturbing and the US government needs to work further to crack down on data mining for simple internet searches. I blame the government for this as much as the companies mining and selling the information.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
CareCredit Card from Synchrony Bank On XX/XX/XXXX I called into Synchrony bank to make payment my Care Credit card. I have multiple Deferred interest payment buckets and one standard purchase bucket. One deferred interest bucket was expiring in XXXX After speaking with the agent I had a payment of XXXX {$170.00} set to payoff my deferred interest bucket expiring in XXXX and my Standard purchase bucket that was currently accruing interest ( ~ {$41.00} deferred bucket, ~ {$130.00} standard bucket ). The agent advised she had it set to disburse in that way. 
The following day, upon reviewing my account, I found the Deferred interest bucket expiring in XXXX was paid as instructed, however the remaining {$130.00} of my payment was distributed across all remaining buckets and did not go to payoff the Standard Purchase bucket, that is actually accruing interest, as I had instructed and as the agent on XX/XX/XXXX advised. 

On XX/XX/XXXX, I online chatted with XXXX XXXX XXXX attached ) where we discussed the mistake, XXXX agreed that an error had occurred and was going to submit for a correction. 

On XX/XX/XXXX, I found no correction and called into speak with an agent. The agent again confirmed they see the error and was going to escalate. 

On XXXX I received a letter from Synchrony Bank stating they did not intend to correct their mistake. They stated that excess funds were to be applied to the balance accruing the highest interest. I was surprised at this as my request was to have the payment applied to the balance accruing interest and their mistake, which they stated they wouldn't correct, was that they applied the payment to deferred interest balances ( letter attached ).

Two regulatory errors in this complaint 1 ) Reg Z : Bank did not apply payments as instructed, and they did not apply payments to the balance
s with the highest interest.

2 ) UDAAP : Agent advised they could and would apply pymts as I instructed, while actually applying to deferred interest buckets and not accruing interest buckets resulting in interest income for the bank. In addition, the letter I received from the bank states requirements that they are using to not correct their error however not actually following through on those requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-03 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: CO

Complaint narrative:
On XX/XX/2021 Equifax updated my credit score, dropping it from XXXX ( as of XX/XX/2021 ) to XXXX ( XX/XX/2021 ) I've contacted Equifax ( XX/XX/2021 ) and reviewed this with an agent, she could not find any reason for this drop and scheduled a call back from a supervisor to assist me within 24 hours, this did not happen.

I spoke with an agent ( XXXX ) today XX/XX/2021, to review my dispute, she said it was logged as a complaint and they were not required to respond in any timeframe. She did not dispute the FALSE score, nor assist me w/why Equifax would have dropped my credit score. I was told to find the reason why it happened and file a formal dispute for that item, something they could not find. I believe EQUIFAX is in violation of FCRA and need assistance restoring my Credit score to match the other 2 CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I was recently informed that I was victim of XXXX data breach being a former customer I did not open this account and need it removed from my credit file ASAP. I do not own this account nor did I ever open it or had any idea it existed on my file until I checked it recently and being a victim of XXXX data breach I can deduce someone was able to use my information to open this account and thus I need it removed from credit file, as it is affecting the growth of my credit and I should not be responsible for someone else 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I was recently informed that I was victim of XXXX data breach being a former customer I did not open this account and need it removed from my credit file ASAP. I do not own this account nor did I ever open it or had any idea it existed on my file until I checked it recently and being a victim of XXXX data breach I can deduce someone was able to use my information to open this account and thus I need it removed from credit file, as it is affecting the growth of my credit and I should not be responsible for someone else 's account.

Company response to consumer: Closed with explanation