vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2021, I submitted an application for a rental house. The application got sent back because they could not find any credit data from Equifax. I called Equifax on XX/XX/XXXX and they said to launch an investigation which would take 30 days after they receive all the documents. I do not have this sort of time as I just PCS 'd ( in the military ) and only have 7 days left to find a house to live in. After researching this issue a bit, people mentioned Equifax has this issue sometimes. The other major bureaus have my credit report ( XXXX and XXXX ) so it is an issue on Equifax 's end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft GS BANK USA Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I contacted Amerisave Mortgage to refinance my home. 

I signed a disclosure on XX/XX/2021. Due to inept mortgage broker, I closed on XXXX XXXX. My lock ran out in XXXX : however this broker assured me, as well as his supervisor, that they would honor the terms of the original disclosure. 
When I went to closing, Amerisave increased my cost for points from {$6500.00} to {$14000.00}. I objected to this increase and they reduced the points to {$10000.00}. Using the same interest rate in all cases. They would not honor the original points as verbally agreed upon. 
I had problems with this company : from the start, they had 2 applications open for me, One was a refi, the other was a refi with refi with cash out. I gave them my visa credit card info for the {$500.00} application fee. This was returned to my bank because when they cancelled the refi they cancelled both applications. I received an email stating this ; I immediately called to have them correct this. I verified with my bank that I had not cancelled this fee which the bank verified that I did not. It had come from Amerisave. 

I also had to remind them several times that the appraisal was not done. It appears that when they cancelled the refi this cancellation caused a problem with their scheduling department and everything was in disarray.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have 2 hard inquiries from Capital One Auto Finance company for trying to get a loan for some type of auto Financing, one on XXXX XXXX and another for. XX/XX/2021 and it wasn't me who applied for it, this inquiry is not mine and it's affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: DE

Complaint narrative:
On two separate occasions i have repeatedly asked the credit bureau to verify the accounts to be named and send me proof of validity. They have not and only sent back as it is mine. These accounts do no belong to me and belongs to someone with my same name. The accounts are : XXXX XXXX XXXX # XXXX and XXXX # XXXX. 
The above mentioned accounts were removed and then placed back on my account. PLEASE HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: DE

Complaint narrative:
On two separate occasions i have repeatedly asked the credit bureau to verify the accounts to be named and send me proof of validity. They have not and only sent back as it is mine. These accounts do no belong to me and belongs to someone with my same name. The accounts are : XXXX XXXX XXXX # XXXX and XXXX # XXXX. 
The above mentioned accounts were removed and then placed back on my account. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My Name is XXXX XXXX & my first " 2 '' emails that were hijacked were ( XXXX ) & ( XXXX ) XX/XX/XXXX is when I notice the scams, and identify theft that was done with my personal information! My ex Fiance XXXX XXXX who I lived with for 10yrs has linked my Data from my gmail act. to his gmail act! And gained excess to all my data personal files etc..I was trying to jump start my online business called ( XXXX  ) He has then placed XXXX ( XXXX XXXX XXXX ) on all of my electronic devices. Where he can see the info i put into my phone! Hear through my phone with accessibility somehow! I then notice my business being used for ( XXXX XXXX! ) And ( XXXX XXXX ) items in my name as well! ( XXXX ) was placed over my fb where he gains more of my info. When I realized what was happening I made a police report and contact XXXX! And took notes of the things I discovered Loans from Self Credit, also My XX/XX/XXXX Stimulus XXXX off my XXXX card ... By controlling my phone through another phone he had with the XXXX Software on that App! Hes has made himself the Administratior of my Emails and close of ours! And made some organization for XXXX XXXX! Where it seems like we were working for him! But we had no idea! That he had that kind of excess and control over our phones! But he use my identity to do qll things! this is the List! 


Suspect info Last 4 SSN XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX 1.XXXX  XXXX Act 11 Consumer Privacy Act Pata Service GLBA, FCRA XXXX PPPA, CCPA 2. XXXX XXXX XXXX 3. https : //respond.census.gov./acs 4. XXXX XXXX 5. XXXX XXXX. XXXX 7. XXXX 8. XXXXt 9. XXXX 10. XXXX  11.XXXX  XXXX XXXX XXXX! Placed on all of my bluetooth devices 12. XXXX XXXX organizations such as XXXX 13. Certificates from XXXX installed on my devices! 
14. Global and many more! And it's still ongoing! 
XX/XX/XXXX - XXXX XXXX I made countless emails! changed phones, numbers, And still haven't received a dime from credit cards! Stimulus, all these gadgets he used etc..

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 2021-10-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

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 2021-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc.

Complaint narrative:
Dear, I'm XXXX resident and opened an account on Coinbase on XX/XX/XXXX of this year after identity verification. 

Coinbase revised once my account from XXXX and after more than one month I claimed it. Without providing any more documents, on XX/XX/XXXX I could use my account. Until today they didnt reply the checking standards. 

To my surprise a couple of days ago, they blocked again my account using the same excuse. After several emails, Coinbase support informed issue resolved but in fact still not. Until today I can not use it. 

The XXXX XXXX is very changable and if the operations are delayed I may lose a lot money. I strongly beg Coinbase to inform clearly : 1- What are their standards to check accounts? 
2- How often do they check the same account?

3- How do they check accounts? Are they asking the users to provide some documents? If not, how do they revise the account? 

Hope to receive their reply asap. 

Many thanks and regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NC

Complaint narrative:
RECEIVED NOTIFICATION THAT COLLECTION WAS PLACED ON CREDIT FILE. NO INFORMATION RECEIVED TO VERIFY OR VALIDATE DEBT WAS OWED BY ME. THIS IS IN VIOLATION OF THE FCRA.

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 2021-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: NC

Complaint narrative:
RECEIVED NOTIFICATION THAT COLLECTION WAS PLACED ON MY CREDIT FILES. NO INFORMATION TO VERIFY OR VALIDATE THE DEBT WAS OWED BY ME. THIS IS IN VIOLATION OF FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am not here to argue, I am not here to defend myself, I am here to establish the fact that I am the original creditor, I am one of the " Persons '' mentioned in the Fifth Amendment that shall not be deprived of any significant property interests, property right, referring to inalienable or other rights without due process of the common law alluded to in the Declaration of Independence, for which it was held " a self-evident truth, that I am endowed by my God and possess inalienable rights '', rights that this body has no authority to Abrogate! 

So, once again, under what authority does this body claim it has authority to exercise jurisdiction over a creditor? Since when is a creditor " the debtor ''? And why are they assuming authority over my time, my business, my interests, my property, my rights when it is well established that their authority prohibits them from subjugating a creditor? 

I don't have a contract with their credit reporting companies. I never authorized their credit reporting companies the authority to receive any information or to even furnish a report. 

So their companies have violated the U.C.C. 2-106. Definitions : " Contract '' ; " Contract for sale '' ; " Sale '' ; " Present sale " ; " Conforming '' to Contract ; " Termination '' ; " Cancellation ''. Along with 15 U.S. Code 1692-Congressional findings and declaration of purpose.

Therefore all items listed in Exhibit B are invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not been authenticated as per my requirements as they are damaging my character, credit worthiness and well being by falsely stating those non-compliant unverifiable accounts on my report. 

I have not received any confirmation on how they have verified the alleged accounts attached in Exhibit B and therefore request that they consider this a final notice to their office. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of any trying to rectify the subterfuge that they are reporting.

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 2021-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
I have a hard inquiry from a Exeter Finance on XX/XX/2021 And I do not recognize it. Could you contact this company and get that removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: FL

Complaint narrative:
On XX/XX/XXXX, I opened new checking and savings accounts with Citibank utilizing a promotion which was mailed to my home. The new account promotion was for a {$400.00} cash bonus after meeting certain deposit requirements. Despite meeting these requirements, the bonus was never paid. 

On XX/XX/XXXX I contacted Citibank to resolve the situation. The representative I spoke to did confirm that the promotion was applied to my account and that I met the deposit requirements. What Citibank claims, though, is that I transferred funds into an ineligible savings account that meant I did not hold the funds in an eligible account long enough. Their terms, however, state that the funds must be held in a Citi savings account ( which my savings account with Citibank obviously is ). Their claim is that the following terms... 

" Eligible Savings Accounts '' are limited to new or existing Citi Savings Accounts in any package where the Eligible Customer is a signer. 

... refers to a specific savings product, and that I did not open a " Citi savings account '' because I opened a " Citi accelerate savings account ''. It adds additional confusion that they refer to their eligible checking accounts in the singular ( i.e. a " Citibank Account '' ) vs. plural for " Citi Savings Accounts '', further leading one to believe " Citi Savings Accounts '' refers to a group of products and not a specific one. 

While I can appreciate that perhaps Citibank would like customers to open a particular savings product, the language they used was clearly ambiguous if that was their intention. I believe any consumer would interpret the wording to mean any savings account that Citibank offers. If Citibank wishes to limit what products are eligible for the purpose of denying advertised promotions, they need to have clearer language and/or title their products with generic names which do not have multiple interpretations.

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 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

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 2021-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America failed to offer me their $ XXXX  monthly fee account until I requested to close my account on XX/XX/XXXX. Bank of America Misinformed me on XX/XX/XXXX when I first called in about this fee saying it was bank error when I could have been advised of the correct reason as to the problem. 

XXXX, I called Bank of America about a monthly fee of {$12.00}. I spoke to XXXX. I advised the rep I had called in previously about this fee and prior rep said it was a bank error and reversed the fee as I was making direct deposits more than the amount required from employer and payactive. Rep was very unhelpful and blamed the fee on me not making enough direct deposits. I requested the rep 's supervisor. I spoke to XXXX. XXXX for the first time advised me that she showed the direct deposit coming in from my employer and the other was coming in as a debit deposit from " XXXX '' which was not considered a direct deposit. I advised her that the rep named XXXX that I spoke to about the same issue on XX/XX/XXXX had advised me it was a bank error as she confirmed the direct deposit from employer and XXXX  were more than the minimum direct deposit required to have a free checking account. I asked to close my account. XXXX then offered me for the first time a checking account with a monthly fee of {$4.00} which I accepted. XXXX however did not reverse the $ XXXX monthly fee charged on XX/XX/XXXX. 

I have had my account with Bank of America for more than 15 years since I was a freshman in college. I have direct deposit coming into this account from one of my employers through the employer itself and XXXX. This account had always been an account with no monthly fee. Many changes had happened with Bank of America over the past year 's and I had always seek an account with no fee with Bank of America. Bank of America never offered me their $ XXXX  monthly fee account until I requested to cancel it. 

I feel Bank of America reps XXXX and XXXX had treated me unfairly and could have resolved this issue regarding the XXXX XXXX monthly fee assessed for the second time based on the misinformation and lack of information provided to be by the rep named 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 monetary relief
Consumer complaint received 2021-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have been talking with chase since XX/XX/ when I found out my account was frozen while trying to pay a bill. When contacting them I was given the run around for 4 hours with no information provided on why my account was frozen. I just kept getting told that my account is going to be closed and it was a final decision but I wasnt give any prior notice. I was also told that my account wasnt closed by 2 of those people I was transferred to but my debit card was closed. I kept getting conflicting information so I transferred my money to another bank and my transfer was canceled by chase. I was also told by the last person I spoke to that she didnt know why they had been transferring me around because my account clearly stated I needed to speak to the online department who didnt help either. Since I wasnt getting any where with chase a made a consumer report. They then sent me a notice explaining that my account was frozen due to suspicious activity or lack of information requested by them. I then called the number and they told me the account is being closed and it is final which contradicts the whole notice I was given. And also meaning they didnt contact in regards to the suspicious activities in which they are required to do.they also didnt contact me until I reached out to Consumer Financial Protection Bureau so they were going to close my account without my knowledge. And without giving me access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
I recently made a final payment on a Home Mortgage through BB & T / XXXX XX/XX/2021. I was advised that the Bank would issue a check for the amount I had in escrow within 20 business days in the amount of {$1900.00}. On XX/XX/2021 I still have not received my money. I called their customer service number and spoke with XXXX who would not assist me. I repeatedly asked for a Supervisor and was placed on hold for 35 minutes before being disconnected. I called back and spoke to XXXX who stated they would not do anything until after XX/XX/2021. The bank stated they issued a check on XX/XX/2021 and if I had not received it yet that it was probably due to COVID. 
This is my money, not the Banks. If I were late on a payment to them they charge LARGE fees, HOWEVER they can hold my money hostage and nothing happens to them. The Bank should be paying me interest and a late fee for being unprofessional and inept. 
I was NEVER late on my loan but yet they can not issue a check immediately or wire me the money. This is wrong.

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