vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-06 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: PA

Complaint narrative:
Ive been getting charge overdraft fees while my account is positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
As a ( natural person ) federally protected consumer, I XXXX XXXX never enter any consumer credit transaction with NATIONWIDE RECOVERY SV for them to have obtain my personal information or medical records. In fact NATIONWIDE RECOVERY SV this is an violation of 15 USC 1692 for infringement upon my consumer 's right to privacy. While also in fact in violation of 42 USC 1302d-9 ( b ) ( 3 ) HIPPA Privacy. By NATIONWIDE RECOVERY SV obtaining my personal information and medical records with out my consent have committed fraud and identity thief. Now I can't do business with anybody else due to this allege debt NATIONWIDE RECOVERY SV has furnished to my consumer 's reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Unauthorized credit inquiries by XXXX and XXXX XXXX on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: Lending Club Corp
State: SC

Complaint narrative:
LENDING CLUB CORP Account XXXX Date opened XX/XX/XXXX Balance on XX/XX/XXXX - {$32000.00} XXXX/XXXX  Account number XXXX Date opened XX/XX/XXXX Account type Unsecured Loan Balance on XX/XX/XXXX {$17000.00} {$20000.00} reporting XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance on XX/XX/XXXX {$3000.00} {$2500.00} I am a victim of identity theft ; my personal information was stolen and used to obtain loans and credit cards. However, I was in XXXX  from XX/XX/XXXX to XX/XX/XXXX when the fraud did not happen nor I have not benefited from any of this. I provided proof that I was XXXX  ( identity theft report, the accounts, paper work from the government of my incarceration and validation letters ) to the creditors and all 3 credit bureaus ( XXXX, XXXX and XXXX ) XXXX and XXXX was completed but not XXXX which they continue to keep reporting to the credit bureaus. I notified the credit bureaus several times and kept getting the same response ( verified ). They have not provided no evidence to prove that these accounts belongs to me. No signature that matches my handwriting or coming into any of their facilities ( of course i was in XXXX  ). I have tried every method going back and forth which is giving me no justice at all. This has caused me XXXX, XXXX  and fatigue. I would like the accounts removed immediately. I provided all my evidence to prove that it wasn't me even down to the signatures on loan documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: AL

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: MD

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX, loans should have been deferred, Department of Education has place 2 late markings on my credit reports. I have written letters and completed the dispute form and mailed it as directed however, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve 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 XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  / XXXX  XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
on XX/XX/XXXX, I submitted a mortgage refi application with Citibank for my primary residence. The associated fees for the application were charged to my credit card on XX/XX/XXXX. It is now XX/XX/XXXX - over a year since the application was submitted and my application is still pending review. I have chased, I have escalated, but none of it has worked. Most recently, I don't even get a superficial response that my loan is still pending when I ask for an update. I have had to pay the higher interest compared to where the refi is locked all these months. Additionally as rates were dropping, I asked Citibank for a rate refresh to see if I can re-lock at a lower rate and my requests were ignored. Citibank 's practices are unprofessional, unethical, and this needs to be addressed 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 monetary relief
Consumer complaint received 2021-10-06 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
CAPITAL ONE BANK USA N Account number XXXX Date opened XX/XX/XXXX Balance on XX/XX/XXXX {$3000.00} {$2500.00} XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$6900.00} {$6500.00} XXXX CARD Account Info Account number XXXX Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$11000.00} {$10000.00} 2. I am a victim of identity theft ; my personal information was stolen and used to obtain loans and credit cards. However, I was in prison from XX/XX/XXXX to XX/XX/XXXX when the fraud did not happen nor I have not benefited from any of this. I provided proof that I was incarceration ( identity theft report, the accounts, paper work from the government of my incarceration and validation letters ) to the creditors and all 3 credit bureaus ( XXXX, XXXX and XXXX ) XXXX and XXXX was completed but not XXXX which they continue to keep reporting to the credit bureaus. I notified the credit bureaus several times and kept getting the same response ( verified ). They have not provided no evidence to prove that these accounts belongs to me. No signature that matches my handwriting or coming into any of their facilities ( of course i was in prison ). I have tried every method going back and forth which is giving me no justice at all. This has caused me XXXX, XXXX and XXXX. I would like the accounts removed immediately. I provided all my evidence to prove that it wasn't me even down to the signatures on loan documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Herbert P. Sears Co., Inc.
State: KY

Complaint narrative:
This account is originally from denali FCU And has been charged off by them. A current company HP Sears has attempted to increase the debt over the last few months. They have not contacted me and continue to Increase the amount. The account has somehow for some reason been sold to collections after denali has already written the debt off.

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 2021-10-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank was offering a promotion of {$300.00} cash to customers who opened a new bank account with a deposit of {$100000.00} for 60 days. I took them up on the offer, and after 60 days, I asked them where is my {$300.00}. A Citibank representative replied that I had to give them 90 days for the cash to appear in my account. On XX/XX/2021 which was 90 days later, I still did not receive the cash that was promised so I called again, and a representative said that she looked into it and would put in a request to expedite my payment. The next day still nothing happened, so I called in again, and a representative said I would get my {$300.00} no later than the following Monday XX/XX/XXXX. Well the following Monday came and went and still no payment. I called again Monday evening but couldnt reach anyone. Then I called again Tuesday, and a representative put me on hold, but then the call was dropped. I had to call back again three more times on Tuesday before I could get someone on the line to investigate my case. Finally a representative said that the funds would be released. I was furious that I had to call and waste so much time and effort to get money that should have been automatically paid to me. I told her that she should offer me compensation for my trouble. She asked me what would I want. I said I wanted the equivalent of a free airline ticket which I thought would be letting them get off lightly since many other banks have offered as much as {$3500.00} in their promotions to get new private client customers. She called me back and said she could offer me {$30.00}. I was absolutely furious when I heard that. She then transferred the call to her boss who was resistant to offering anything at all. I have never been so insulted and XXXX off in my whole life dealing with customer service. The next day they left me a message saying they put {$100.00} in my account as an apology. I still dont think {$100.00} does justice to this wrong. This whole episode proves to me that Citibank lies to its customers. They promise one thing, but unless one is willing to chase down the funds promised, they will renege on the promise. I have no doubt that if I didnt call persistently, I would have never received the {$300.00} owed me for parking my funds there.

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 2021-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
we have applied for a loan to Re-finance to a lower rate. Citi Mortgage sent us invitation to refinance with a {$1000.00} coupon. We followed their instruction and paid appraisal fee on XXXX XXXX XXXX.My property value came up to {$1.00} XXXX. My credit Score is XXXX by credit reporting, We applied for a loan amount of {$450000.00}. 
Citi mortgage broker asked us for 12 documents. We have sent citi mortgage all requested documents at least 5 times or more each time. Every few months for several months during year XXXX. 
On the XXXX of XX/XX/2021, The Broker Mr. XXXX XXXX called me that he need one last document. A copy of one month 1099 direct deposit, from my wife employer, to citi bank statement where my wife carries professional corporation account.

We have sent him THREE MONTHS statement XXXX XXXX. We also told him that the Employer does not send PAY STUBS each month. They only make direct deposit each month an the stub is sent at a latter month, or when requested.And 1099 is prepared end of the each year. That is how it is setup with the employer.Mr. XXXX the broker told us that he need XXXX statement. We sent a copy of direct deposit from Citi bank statement, to him. We have told him that the month of XXXX did not end of yet. This will be given XX/XX/2021. Mr.XXXX XXXX the broker started to argue with me. And my LOAN got cancelled, because of my wife pay stubs. Although we showed proof of payment, from employer.They discriminated our loan with no apparent reason.

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 2021-10-06 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance on XX/XX/XXXX {$3000.00} {$2500.00} XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$6900.00} {$6500.00} JPMCB CARD Account Info Account number XXXX Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$11000.00} {$10000.00} 2. I am a victim of identity theft ; my personal information was stolen and used to obtain loans and credit cards. However, I was in prison from XX/XX/XXXX to XX/XX/XXXX when the fraud did not happen nor I have not benefited from any of this. I provided proof that I was incarceration ( identity theft report, the accounts, paper work from the government of my incarceration and validation letters ) to the creditors and all 3 credit bureaus ( XXXX, XXXX and XXXX ) XXXX and XXXX was completed but not XXXX which they continue to keep reporting to the credit bureaus. I notified the credit bureaus several times and kept getting the same response ( verified ). They have not provided no evidence to prove that these accounts belongs to me. No signature that matches my handwriting or coming into any of their facilities ( of course i was in prison ). I have tried every method going back and forth which is giving me no justice at all. This has caused me XXXX, XXXX and XXXX. I would like the accounts removed immediately. I provided all my evidence to prove that it wasn't me even down to the signatures on loan documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: DISCOVER BANK
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance on XX/XX/XXXX {$3000.00} {$2500.00} DISCOVER FIN SVCS LLC Account number XXXX Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$6900.00} {$6500.00} XXXX CARD Account Info Account number XXXX Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$11000.00} {$10000.00} 2. I am a victim of identity theft ; my personal information was stolen and used to obtain loans and credit cards. However, I was in prison from XX/XX/XXXX to XX/XX/XXXX when the fraud did not happen nor I have not benefited from any of this. I provided proof that I was incarceration ( identity theft report, the accounts, paper work from the government of my incarceration and validation letters ) to the creditors and all 3 credit bureaus ( XXXX, XXXX and XXXX ) XXXX and XXXX was completed but not XXXX which they continue to keep reporting to the credit bureaus. I notified the credit bureaus several times and kept getting the same response ( verified ). They have not provided no evidence to prove that these accounts belongs to me. No signature that matches my handwriting or coming into any of their facilities ( of course i was in prison ). I have tried every method going back and forth which is giving me no justice at all. This has caused me XXXX, XXXX and XXXX. I would like the accounts removed immediately. I provided all my evidence to prove that it wasn't me even down to the signatures on loan documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX has ( 2 ) Credit Cards open up in my name from the same company. The company is LVNV. One total amount is {$1000.00} and the second amount is {$360.00}. 
I also have ( 10 ) Hard Inquires on my Credit Report. All of the Hard Inquires were unverified and unauthorized and I want the Hard Inquires removed. 
I have submitted a copy of my Drivers License and a Copy of my Social Security Card along with a Cover Letter stating the Hard Inquires were not authorized by me and ( 2 ) Credit Cards from the same company were open in my name. I sent my crucial documents to XXXX on XX/XX/XXXX and XX/XX/XXXX and XXXX has yet to remove these items from my account. I called today XX/XX/XXXX 3 times and was informed by the representative for me to resubmit my personal information via mail again. I sent my personal information twice to XXXX XXXX XXXX, XXXX PA XXXX. 
Now I'm feeling like one of the representatives in XXXX is using my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX edition from the XXXX XXXX dealership of XXXX, MA in XX/XX/XXXX. I can not afford the payments and would like to give the car back to the dealership. The lease is with Ally Bank/Leasing . They have given two separate prices for a buyout. 
1. I can go to any dealership and pay {$41000.00} ( good until XX/XX/XXXX ) to take buyout the car and take the title. I would also need to pay MA sales tax. 
2. If a dealership wants to purchase the lease, they have to pay Ally Bank the 'market price ' of {$54000.00} ( good until XX/XX/XXXX ), which is $ XXXX more than my buyout. They said the difference in price is the 'market 'price ', a 'new rule ' as typically the buyout price should be the same, and that it is non-negotiable. 

Since I can not afford to pay {$41000.00}, and no dealer in the country would pay $ XXXX more than the car is worth on the open market, Ally Bank is sticking me with the car and the payments that I can not afford. 

If they had the same buyout price for both me and the dealership as all other leasing companies do, I would be able to exit the lease with no financial harm to my credit, or be forced to file for bankruptcy. 

Please advise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: Phoenix Financial Services LLC
State: TN

Complaint narrative:
My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my TransUnion consumer report and it showed two different bankruptcies on it. One from XXXX, TX and one from XXXX, TX. I did not give any written consent to TransUnion to publish these. I know thats a violation of my consumer privacy. I sent TransUnion a certified letter on XX/XX/2021 asking them to remove the bank bankruptcies. I sent a certified affidavit on XX/XX/2021 showing TransUnion all the consumer rights that they have violated since I am a consumer. 
1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction 3. 15 usc 1681 ( a ) ( e ) Investigate Consumer Report 4. 15 usc 1681 ( a ) ( 1 ) Any person who willfully fails to comply

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