vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Applied online for and funded a checking account with a {$15000.00} transfer from an external account on XX/XX/21. Confirmed with Citibank in an online chat later that day that account was successfully opened. Initial funding transferred from external account and showed as pending/on hold when logging in online to newly opened Citibank account. Received email from Citibank on XX/XX/21 that account would be automatically closed in 60 days because it was found that I had violated the terms of my account per the client manual. I called the number in the email to get more information regarding this notice and, after being transferred to 4 different individuals, I was finally able to speak with someone on Citibank 's fraud team who told me the account was set to be closed the same day I applied on XX/XX/21 for some reason they could not disclose over the phone, but that I would be receiving a letter in the mail with an explanation. When I inquired about being returned the {$15000.00} I had transferred to Citibank to fund my account, I was told that the status of that fund transfer was being reviewed and it could take anywhere form 30 to 60 days before that money would be returned, and another 10 to 15 days for the money to arrive by check in the mail. In addition to the unsatisfactory answers I received regarding the account being closed for vague reasons, I also expressed my dissatisfaction regarding the amount of time it could potentially take to have {$15000.00} returned to me. There was no intent by anyone I spoke with at Citibank to alleviate what to me feels like an unjust holding of money that belongs to me. I don't understand why money that was so easily transferred in when opening the account couldn't just as easily be transferred back. No one at Citibank was willing to help to resolve this matter in a satisfactory manner.

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 2021-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Finance System of Richmond, Inc.
State: FL

Complaint narrative:
Finance systems is reporting several different accounts to my credit report. I have now sent 2 letters to this company requesting them to verify the debt and they refuse to respond. It is my right to request this information and they have now denied me of this 2 times. I even called to verify their address and they are very rude. I mailed my first request in XXXX and after no response I mailed another request on XX/XX/XXXX and I mailed it certified so I know it was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: MA

Complaint narrative:
experian refuses to look at documention did not own the car as of XXXX have sent all documents all they have done is make it worse car was returned XXXX i am not the owner -- how am i responsible for taxes on a car i did not have -- i leased a new car on XXXX and paid the excise tax on that car for XXXX  cant people at experian see that on the documents -- and fix my credit asap -- please look at documents someone do there job LOOK AT DOCS -- dealer return vehcile receipt -- new lease agreement -- bill of sale -- I DID NOY HAVE THE CAR IN XXXX  -- READ DOCS i have had almost perfect credit for ever now it is all messed up and experian is at fault documents PROVE 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 2021-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a collection on my report for an account I never signed for its clearly signed by XXXX XXXX not by XXXX XXXX XXXX. Although it has my name typed there I never signed this as a joint account. I have attached all supporting documents from the original agreement after speaking with the collection agency.

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 2021-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase bank hasnt closed my account yet but still wont let me access my money XXXX I came in with my if and everything I just want my money n they wont give it to me they said they have to mail me A check once they close it in 7 to 10 days I need my money to pay bills

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
1. The Merchant ( U.S. Auto Sales, Inc. ) presented the MOTOR VEHICLE RETAIL INSTALLMENT SALES CONTRACT ( Exhibit A ) with false and misleading terms and conditions to obtain a security interest in the motor vehicle, insurance policies and proceeds, and other financing contracts for service or insurance, as the Merchant failed to disclose and/or apply the amount of credit extended to me, the Affiant, from my open-end consumer credit plan. The Merchant made completely false representations of the amount of the alleged debt, and fraudulently collected the incorrect amount.

2. Consequent of the willful and knowing failure of the Merchant to properly compute and disclose the Finance Charge, Merchant made patterned and continuous unauthorized use of fraudulently obtained credit card data ( Exhibit B attached ) ( for charges exceeding the Finance Charge by {$17000.00} ) as evidenced in both MOTOR VEHICLE RETAIL INSTALLMENT SALES CONTRACTS & Payment Ledgers ( Exhibits A-D ) using the same false and misleading language and practices to obtain money while retaining an inequitable security interest in the motor vehicle. 
3. The Merchant failed to include the insurance premium in the computation of the Finance Charge, requiring the Affiant to purchase insurance coverage out-of-pocket in order to take possession of the secured motor vehicle, further coercing more fraudulent and unauthorized collection and voiding the contract. ( Exhibits A & B ) 4. The Merchant collected a cash amount of {$2000.00} as a fee or charge, incidental to the principle obligation of the Finance Charge without obtaining express authorization. ( Exhibit A, page 2 ) 5. The Merchant regularly threatened to take non-judicial action to effect disablement of the motor vehicle without a present right to possession of the property claimed as collateral, the motor vehicle, as the motor vehicle was equipped with a disablement device ( starter interrupter ) that was programmed to disable the motor vehicle even after the Finance Charge was fully paid.

6. The Merchant did not apply any credits for the Amount Financed, to my payment schedule. ( Exhibit B ) 7. Affiant became aware of these Federal violations on 08/16/2021 during correspondence with the Merchant to request purchase records ( Exhibit E ), and corresponded for resolution on 08/18/2021 ( Exhibit F ).

An Affidavit is being sent by Notary Presentment to the Registered Agent, and Certified Mail copies of the notarized documents are being copied to XXXX XXXX, the CFO of the Merchant company, as well as electronic communication to the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: MA

Complaint narrative:
I received a supplemental tax bill from the XXXX of XXXX, MA. Right after I received the bill, I contacted my then servicer Guaranteed Rate to ask if they would pay the bill or if I needed to. They got back to me saying that they will ( I have the the emails ). Subsequently, Guaranteed Rate sold the loan to XXXX. I recently noticed that the supplemental bill hadn't been paid, and I had now accrued a {$55.00} and some cents interest for late payment. I reached out to XXXX, explained the situation, and said that they should pay out of my escrow since I was promised that by Guaranteed Rate. XXXX then paid it off. But I had already accrued {$55.00} in interest and penalty which XXXX also paid from my escrow. I want Guaranteed Rate to refund to me the money they paid for the late fees, {$55.00}. This is negligence on the part of Guaranteed Rate. They told me they will pay off the bill ( Case XXXX Resolved - XXXX Loan # XXXX ) but they did not, and this led to the late and penalty fees. Had they told me they will not pay it, I would have paid it by the deadline. It is not my fault, and I should not be penalized for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a dispute for a Fraud account on my Transunion credit report. It took over 30 days I have two still being investigated and two were removed. Transunion then dropped my credit score my 64 points after they removed the 2 disputed items in collections. This is the only Credit agency that dropped my score after removing the fraud accounts which should've increased not decreased the score.

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 2021-09-02 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: Block, Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX I purchased a product from a company XXXX XXXX XXXX, registered address XXXX XXXX XXXX, XXXX XXXX, CA XXXX - owner listed as XXXX XXXX. I never received the product. The total charged was {$160.00}. I reached out to the merchant multiple times. She responded once in the beginning stating that my order would ship the following week but it never shipped. The owner has since ignored all subsequent requests and contact attempts. I filed a dispute with cash app. They stated they filed the chargeback but the XXXX XXXX sided with the merchant. Thats not possible! In order for a merchant to win a chargeback dispute the merchant would have to show proof of delivery of the product. This merchant does not have proof of delivery and I never received the product!!!! Something isnt right. I submitted proof of my multiple contact attempts to this merchant showing her unresponsive ness, her phone lines were disconnected, her website was down for a period of time due to a billing issue and now its back up. I want my money! Cash app is unorganized and I cant get through to talk to anyone! The next step will involve my attorney, cash app, and the merchant. Cash app has been negligent in properly investigating the dispute. I want proof of the investigation and the results!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: GA

Complaint narrative:
I have disputed the inaccurate reportings with XXXX XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX : XXXX  is reporting a status of Current but also reporting 30 days late in XX/XX/XXXX and XX/XX/XXXX, XXXX  is reporting a status of Current but also reporting 30 days late in XX/XX/XXXX and XX/XX/XXXX and Equifax is reporting a status a status of Current but also reporting 30 days late in XX/XX/XXXX and XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX  Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a {$0.00} balance, XXXX  and Equifax are reporting an opened date of XX/XX/XXXX with a {$0.00} balance, XXXX  XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$8000.00}, XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$8000.00}, Equifax is not reporting this account, XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$900.00}, XXXX  and Equifax are not reporting this account, XXXXXXXX XXXX  Account Number XXXX XXXX  is reporting an XXXX date of XX/XX/XXXX with a {$72.00} balance, XXXX  is reporting an opened date of XX/XX/XXXX with a {$72.00} balance and Equifax is not reporting this account, XXXX XXXX XXXX  Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a {$0.00} balance, XXXX  is reporting an opened date of XX/XX/XXXX with a {$0.00} balance and Equifax is not reporting this account, XXXXXXXX  Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a {$69.00} balance, XXXX  is reporting an opened date of XX/XX/XXXX with a {$69.00} balance and Equifax is not reporting this account . I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX XXXX  and Equifax have failed to plead their case to who has provided them with this false information and/or provide proof with signatures of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Someone used my SSN to obtain alleged lines of credit.

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 2021-09-02 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: Self Financial Inc.
State: GA

Complaint narrative:
I had an account with SELF lender where I never missed a payment nor was I ever late. The account is now closed reflecting it to be CHARGED OFF/REPOSSESSED. This is inaccurate as I never missed a payment nor was I ever in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Self Financial Inc.
State: GA

Complaint narrative:
I opened a savings account with SELF LENDER. The account has been closed for well over a month yet my funds have yet to be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: TN

Complaint narrative:
Equifax will not remove 2 collection accounts that do not belong to me. 

XXXX XXXX XXXX XXXX was reported on XX/XX/2021 of {$1900.00}. I contacted this creditor and they told me that this account does not belong to my name, social security number or birthdate. They said they do not know why this is showing on my credit report, I disputed this collection twice. Nothing has been removed. 

XXXX XXXX XXXX was reported on XX/XX/2021 of {$490.00}. I also contacted this creditor and they told me that this account does not belong to my name, social security number or birthdate. They also stated they do not know why this is showing on my credit report, I disputed this collection twice. Nothing has been removed. 

XXXX XXXX XXXX stated they would launch an investigation and the general manager XXXX XXXX XXXX XXXX extension XXXX ) told me that this account belonged to someone else and they reported that to equifax but nothing has changed! 

My credit score dropped, if I want to use my credit to purchase anything, my interest rate will increase due to open collection accounts that are not mine and I may even be denied for a loan because of equifaxs negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: Mr. Cooper Group Inc.
State: IA

Complaint narrative:
My mortgage was serviced by XXXX Mortgage at the beginning of the COVID19 pandemic. A forbearance program was offered and I opted in. The mortgage was then transferred to Mr. Cooper ( Nationstar ).

Mr. Cooper assured me that all would be good. Despite their assurances, I received 2 hand delivered notices as well as incessant robo calls. When I would speak to anyone at Mr. Cooper, the would continue to assure me that all was good and things were on track for a loan modification. 

Approximately XX/XX/2021, I was notified by a credit monitoring agency that a significant event and change occurred on my credit report. Upon reviewing my credit report, Nationstar ( d/b/a Mr. Cooper ) reported a delinquent account to credit reporting agencies. 

I am not clear how this is delinquent when I have been communicating with Mr. Cooper about the modification program since the loan was transferred and I have made 3 payments since the modification started.

Company response to consumer: Closed with explanation