vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been given 2 prior closing dates ( XX/XX/2023, XX/XX/2023 ) and now my closing date has been moved to XX/XX/2023. I was asked by the loan processor for a list of needed documents for the underwriter to review on XX/XX/2023 at XXXX. ( Mind you, this is the second loan that we are trying to get approved, the first one was denied by CITIBANK ) each time the closing date is pushed back, I get issued a new set of disclosures with a completely different interest rate on it. This is an interest rate I have been previously " locked in '' to per the loan officer I am working with ( XXXX XXXX XXXX ID : XXXX ) This loan officer is terrible. Does not thoroughly explain things, and asked me just last week to pick a different interest rate... isn't my interest rate locked? and we just bought down the interest rate to 5.2 % and he wanted me to accept a 5.85 % interest rate so CITIBANK could make more profit off my back. 

I regret choosing this bank to purchase my first property. They are sloppy, disorganized and unprofessional. Clearly I am not a priority as a customer. My lender sends me correspondence that doesn't provide answers or a solid timeline and has a note at the end of this correspondence to call him if I have any other questions but the moment I call him, he is quick to rush me off the phone and hang up. 

We already well past the projected closing date of XXXX XXXX and the loan XXXX does not provide me with daily or even weekly updates. 

I suspect that they are purposely pushing back the closing date so that they can serve me with an increased " locked in '' interest rate and charge me more in closing costs. I do not trust this company anymore and they do not have my best interest in mind.

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 2023-05-05 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Discover financial services have wrongly reported a write off negative balance of XXXX dollars for a dispute being raised for a debit card purchase. Despite of reaching discover via XXXX  complains and also to correct wrong chex system report discover is asking to pay that XXXX dollars despite of non receiving of the product and are not willing to sort this despite of multiple conversations and follow ups. And to make it even more worse discover has not even furnished a detailed investigation report of on what grounds the credits for the dispute were reverted back. So this needs to be escalated and would like to give one last chance to discover to sort this out. Lets see

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My husband and I are in the process of preparing for divorce and he used my information to obtain my credit information. I didn't give him permission and he had no court order.

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 2023-05-05 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: AZ

Complaint narrative:
My husband and I are about to go through a divorce and he pulled my credit report without my permission or a court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: GA

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1000.00} ( Original Creditor : ) XXXX Balance : {$590.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit bureaus do not respect the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
I have been trying to get a verification of debt from Credence Resource Management for months. I initially reached out when I saw a collection on my credit report and requested a statement from the original creditor along with any information that tied my name to the account. I have never had an account with the original creditor, so I am not sure how they are legally able to collect a debt that was never under my name. They are collecting for something they don't have any proof of. I have never had a XXXX XXXX account in my life. Somehow I have a collection from them. Credence Resource Management seems like a scam. They are trying to pin debts on people 's credit that dont belong to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 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: CA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
Received a XXXX loan and was under the impression it was just like every loan was told my payment would decrease monthly only to find out I'm only refinancing the loan monthly while paying a {$1500.00} a month payment. 
I can't afford to pay the loan off at this rate. I am now being threatened with repossession they have already repossessed my truck once and kept it from me after paying the payment for a week. And now my balance went from XXXX to XXXX to pay it off. This is my only means of transportation, and it is also my late father 's truck I just want a fair payment. Title max refuses to renegotiate the loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: CA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 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 non-monetary relief
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act Collections- XXXX XXXX XXXX {$480.00} opened XXXX, Collections- XXXX XXXX XXXX  XXXX said I owed them {$8900.00} open XXXX They are not the Original Owners 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons. 

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, TransUnion, XXXX, written permission to furnish these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 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: NY

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: NY

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections XXXX ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : 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 non-monetary relief
Consumer complaint received 2023-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act XXXX XXXX 3 missed payments open XX/XX/XXXX, XXXX XXXX XXXX XXXX 3 missed late payments open XXXX, XXXX 1 missed late payments opened XXXX, XXXX XXXX XXXX 1 missed late payments on XX/XX/XXXX open XX/XX/XXXX, XXXX XXXX XXXX XXXX 2 Missed late payments XXXX XX/XX/XXXX and XX/XX/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX NA 5 missed late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX open on XX/XX/XXXX XXXX 1 missed late payment on XX/XX/XXXX opened on XX/XX/XXXX XXXX XXXX XXXX XXXX {$480.00} opened XXXX, XXXX XXXX XXXX XXXX XXXX said I owed them {$8900.00} open XXXX They are not the Original Owners 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, TransUnion, XXXX, written permission to furnish these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : Account Name XXXX XXXX # XXXX XXXX : Account Name XXXX XXXX # XXXX XXXX : Account Name XXXX XXXX  # XXXX XXXX : Account Name XXXX  XXXX # XXXX XXXX : Account Name XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX : Account Name XXXX XXXXXXXX # XXXX XXXX : Account Name XXXX XXXX last XXXX # XXXX XXXX XXXX Account Name XXXX XXXX  last XXXX # XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my writter 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convIctions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: MI

Complaint narrative:
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act Collections- Debt Recovery Solutions {$480.00} opened XXXX, Collections- XXXX XXXX XXXX XXXX said I owed them {$8900.00} open XXXX They are not the Original Owners 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, XXXX, written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I was told by the representative at the executive office for JP MORGAN that I would receive a call back regarding the outcome of the dispute. I've called multiple times over the last week. The car in question was due to be sold on XX/XX/23 per the written correspondence I received. I did not receive a call before that date or after. I called today only to get a voicemail. After I left the voice mail she finally called me back. When I spoke to the representative, she stated that the investigation is complete and the outcome still has not changed. I asked her well what happened to the vehicle because it was due to be sold at the end of XXXX. She stated that they extended the date to XX/XX/23 but I was never notified as the consumer of the extension by written correspondence or verbal. She then informed me that she will type up a written letter to post in response to my complaint. I asked her why wasnt I notified about the extension because when I last spoke to her, I told her that I had a new financial institution ready to purchase the vehicle. She stated that she wasnt aware of that and she only remembers that our previous financing fell through. She could not recall the conversation about me mentioning the new lender to her at all. She then proceeded to say that she submitted her letter and it should post by tomorrow on the CFPB website. Im pretty sure they sold the vehicle without resolving this issue and complaint with me after multiple attempts to alert them of the damages of constantly call, reaching out, and reporting the false information the continue to tell me via the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: KY

Complaint narrative:
XXXX at Tek-Collect texted me and said I owed XXXX to XXXX XXXX XXXX I called Tek-Collect and explained that I didnt owe it, and XXXX said it was my responsibility to contact XXXX XXXX ( name of XXXX XXXX was changed to XXXX XXXX  at least a year ago ) and have them contact Tek-Collect. I called XXXX XXXX, and they said they had no record of me currently owing money and had no record of sending debt information to Tek-Collect or any other debt collection company.

Tek-Collect has sent this incorrect information to XXXX and possibly other credit reporting agencies.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation